vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** and XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX A ) 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 2019-08-06 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This account is reporting on my credit report fraudulently. I contacted the company to dispute this charge and Im still having a problem getting the account removed. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive sent some documents. But forgot to add some additional information the bank statement of the end of each year till XX/XX/2019 Please review and look amount Ive paid I frankly feel no financial institutions should be allowed this excessive amount to be taken from anyone. This is plain theft and taking Advantage of people like my self living pay check to pay check. Or day by day because each day is different and times unable to cover the amount and the fees end up costing me more then the money I am able work. 
It accumulated and at times very hard to cover them when there no way of being able catch when the fees is the reason you keep getting set back. The more I work only to pay in fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Well i file several complaints on experian credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX XXXX AND XXXX XXXX THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF EXPERIAN NEED TO BE SUITED AND I WILL FILE A LAW SUIT

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 2019-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I was attempting to buy a Kia XXXX at XXXX XXXX XXXX in XXXX XXXX, MD on XX/XX/2019. We had agreed on a price of {$20000.00} with a loan amount of {$18000.00} ( after a {$2000.00} down payment ). My husband and I both filled out the credit application. The dealer contacted us soon after our credit application was filed demanding more paperwork from my husband- pay stubs, proof of employment, questions about his recent immigration status and our marriage. The dealer said they could not confirm his new temporary social security number. We told the dealer that my husband had legally obtained and used his social security number to find employment and obtain a driver 's license. Finally the dealer agreed that they had enough information and were going to go ahead with the loan. I was doing a final inspection of the car outside of the dealer 's office for about 5 minutes while my husband stayed inside speaking with the dealer. When I returned the dealer had changed the conditions of the deal demanding more documents and stating we would not be able to get the car loan until we provided the extra documents. With this change in the deal and the apparent interrogation of my husband while I was outside, resulted in us withdrawing our credit application and not buying the car. We perceived the dealer as XXXX or XXXX. Regardless, I received a letter from Kia Motors Finance dated XX/XX/2019 that stated I was denied credit, despite my withdraw of my application and credit score of XXXX! On XX/XX/2019 I successfully obtained credit through XXXX financing for a car loan for {$17000.00}. I believe the dealer did not withdraw my credit application and Kia Motors Financing subsequently denied my credit, potentially affecting my future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Well i file several complaints on XXXX credit bureaus and they blocked my account where i can only log in and cant dispute or look at my credit report I HAVE MAJOR HEALTH ISSUES INCLUDING XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND XXXX ISSUES THIS WHAT I DONT NEED THEM STRESSING ME OUT ABOUT MY CREDIT THAT I DIDNT MAKE I SENT THEM CERFT MAIL WITH A RETURN SIGNATURES AND THEY RETURN ONE WITH OUT A SIGNATURE THEY ARE FAILING TO FIX WHAT I DISPUTE WHAT SO HARD ABOUT TELL THESE COMPANY WHERE IS MY SIGNATURE WHERE I SIGN MY NAME AND GAVE THEM APPROVE TO OPEN THESE ACCOUNT THE CEO OF XXXX  NEED TO BE SUITED AND I WILL FILE A LAW SUIT

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 2019-08-06 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: PA

Complaint narrative:
transunion removed a closed account early XXXX ( or late XXXX ), within a montb they put the information back on without sending letter within 5 days per the fcra 611 ( a ) ( 5 ) ( b )! they account was closed/removed now its back on showing open. i was never notified of these changes per the law states

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 2019-08-06 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: Nelnet, Inc.
State: WI

Complaint narrative:
Nelnet refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Information not reported correctly on experian credit report. Creditor does not provide what months I paid on-time, what months I was late, instead they have just stated I defaulted.

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 2019-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Bait and switch tactic being used at Wells Fargo Bank. 

Offering a product then steering you to a more costly product

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
My husband and I fell behind with our mortgage - we were approved for a TPP - at the second month the mortgage transferred from Ocwen to PHH mortgage - we completed the 3 month TPP and then PHH refused to accept payment, they accelerated even though I notified them that the final mod did not arrive - I've spent hours on the phone - was told they mailed it on XX/XX/XXXX - again it did not arrive and I phoned them on XX/XX/XXXX and again on the XXXX - I then sent a QWR which I was anticipating an answer -they signed for on XX/XX/XXXX. They again, would not accept a payment - Our TPP period was XXXX XXXX and XXXX - The distress of the transfer and the inability of PHH mortgage has caused so much stress. We were 2 months behind when we applied for the modification - and after 3 months of this TPP and how our funds were applied -we are now due for 6 months of payments ( XXXX - XXXX ). This mishandling of our mortgage has forced the acceleration to the foreclosure status. As the fear that the final mod detail would not be provided and with PHH refusing payment to keep the TPP in place -I 've spent hours on the phone with PHH and each call resulted in contradictions of information - which causes much confusion to us. Finally, on XX/XX/XXXX, the TPP was sent via email from PHH Mortgage. We were shocked to see the terms associated with the modification. We have 6 years left on our mortgage with no balloon. The final modification showed that the term would be extended to XXXX years and result in a XXXX Balloon at the end - HOW IS THIS FAIR? I specifically asked Ocwen when the TPP was offered how this modification would work -I was reassured that there would be no long term extension and without the ability to see the full details, I needed to have faith and complete the 3 month TPP. With the threat of foreclosure with XXXX being the next payment due according to the modification ( which PHH refused ) -I borrowed money from a family member for the past due payments - XXXX. I overnighted the funds to PHH who signed for the delivery on XX/XX/2019. To date - a full week later, PHH has not acknowledged receipt of the funds, has not applied funds to our account. My last call to PHH was on Thursday, XX/XX/XXXX - and I was told to " give them time '' I was reassured that they escalated this - and yet, no answers have been provided. I then get an email yesterday that states that they have yet to receive the certified check? I also have escrow issues - where I asked to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called shortly after burying my mother tk make arrangements to pay my credit bill. I made the first payment the second payment I over payed. To clear bill, and be able to use my card. The representative who made the payment arrangements even sent me flowers for condolences. Only to find out they cancelled my card after the first payment and fraudulently took my {$200.00} after ensuring me the card is still active.The company is Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
We have been working with US Bank since XXXX of this year, XXXX. Our actual loan officer has been decent, and explanatory as we are first time home buyers. The woman who is under him that collects documents and is the one more in communication with you has failed to communicate through the entire process. Received all my documents vis US Bank portal ( w2s, tax return transcripts, employment letter ) all as of XXXX XXXX. Our closing date was supposed to be today XX/XX/XXXX at XXXX. Friday the lady in correspondence called and said I didnt provide my previous addresses for tax transcripts so she was able to pull them. Putting blame on me, I then screenshotted the email that had my previous address in it AND her response ( XX/XX/XXXX ). Needless to say, I had to go onto the IRS site and request the last 2 years for her. I had them sent to her at XXXX ish MT time. Yesterday XX/XX/XXXX, I got a call saying everything was a go for our signing today XX/XX/XXXX at XXXX. Great! We have driven 12.5hrs to do this and taken off work. At around XXXX the lady calls back to tell me the money that was gifted was unsecure and we couldnt close. She had all the documents and statements last Wednesday XX/XX/XXXX, I spoke with her several times, and this information was never mentioned. She tried to play it off again as if it were my fault. So here we are 12.5hours from our previous home and unable to sign and move in to our new home. Her superior, the loan officer contacted me and said there should be no reason we cant close as scheduled today because all the documentation has been provided. This has been such an awful experience as first time home buyers, id never wish it on anyone.

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 2019-08-06 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: WI

Complaint narrative:
XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my XXXX and XXXX XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in 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 2019-08-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my total and permanent XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop XXXX points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in 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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
From XX/XX/2017 to present, 4 additional months of payments were made on mortgage account. Ocwen didnt update my account for these additional payments. PHH Mortgage is now servicing and investigating but Ocwen should be help responsible for not maintaining customer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX and 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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I did not receive the original bill and was not given the opportunity to validate the debt. Additionally, I do not have a contract with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I can not seem to get a straight answer from anyone at Wells Fargo Home Mortgage. 
What i want to know is why have i not seen any of the proceeds from them trading my mortgage? It was not disclosed to me at the time of closing. I allowed for either XXXX XXXX XXXX XXXX XXXX or Wells Fargo Home Mortgage to take my mortgage and turn it in to a mortgage back security. I assumed it is Wells Fargo because they became my Mortgage company shortly after the closing of my house. 
All i know is that my Mortgage note is a mortgage back security and that it generates a profit. That profit is to be put towards my Mortgage payment. I have not seen any of the proceeds from the mortgage back security. and i would like to know why..

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 2019-08-06 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: HI

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation