vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 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: AL

Complaint narrative:
I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).

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 2017-07-21 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: TX

Complaint narrative:
A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does not belong to me.

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 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does not belong to me.

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 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: NE

Complaint narrative:
Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks

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 2017-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD 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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.

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 2017-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from Caliber was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on Caliber 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by Caliber to contact me on XX/XX/XXXX or XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Technology Incorporated
State: TX

Complaint narrative:
I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had a business checking account closed. I am guessing that they contractually had the right to do so. However, upon closing, the balance is supposed to be mailed. After getting suspicious, I went to my banking center and made several calls. They confirmed that a check for approximately {$7800.00} was mailed on XX/XX/XXXX. After inquiring on XX/XX/XXXX I was told they were within the 7-10 day processing period, to which I disagreed. After inquiring again on XX/XX/XXXX I was told that they would not stop the check and I would have to wait 90 days to verify if the check was not cashed and they would issue another. I was not provided the contact information for the legal department and was told I would have to find that information for myself. I then filed an OCC complaint and was called by a Bank of America representative who handles OCC complaints. She verified she had received the complaint and would get back to me that day after some research. Not hearing from her I had to initiate contact myself once again. I talked to a woman in the account closure department and XXXX XXXX XXXX whom I believe is in some type of resolution role. I was then contacted by XXXX XXXX ext XXXX who originally called me about the OCC complaint. After much discussion, I was told a check for MY FUNDS could not be stopped and that I would have to wait 90 days to see if the check had been cashed. I find this all very disturbing and unacceptable that a financial institution can not distribute my money from my account. The closure did n't involve any investigation that would tie this up. It was simply a business decision on the part of Bank of America.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-21 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: Seterus, Inc.
State: ID

Complaint narrative:
On X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX 's side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XXXX XXXX or XXXX as stated, this is simply a false statement.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
residential number ( XXXX ) XXXX in incorrect, also I do do n't SSI as my former or current employers never did.

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 2017-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
The home is on the market and we have a valid and current offer that is acceptable to the investor or so we have been told by the Ocwen. The Seller is a separated woman who in the separation agreement was awarded the home and the Husband Deeded the property the Wife. The Wife has a Protective Order against the Husband for XXXX. He is no longer on title to the property and is not required by NC State law to sign any paperwork pertaining to the sale of the home. Ocwen is holding up the approval of the short sale indicating that the Husband has to sign the Offer to Purchase and they want him on the HUD1 settlement. We are about to lose the one and only buyer on the house.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.

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 2017-07-21 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: EQUIFAX, INC.
State: ID

Complaint narrative:
On XXXX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and Equifax to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

Company response to consumer: Closed with explanation