vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I was a bit behind on my mortgage, when I went to the website to pay the amount past due it only gave me the option to make two or three payments, not the monthly regular amount. So I sent a check instead filled out with account number and all the particulars, but they never cashed it. I sent several emails using the secure messaging on their website, the response to my email was simply " Our website requires the total amount due to be paid when submitting a payment. 

Since your loan is not current at this time, please contact our Consumer Counseling Department directly at XXXX Monday through Friday between XXXX to XXXX XXXX XXXX XXXX to discuss possible payment arrangements ''. 

A week went by and the check was still not cashed. Then on a Saturday there was a man outside my house taking pictures. When confronted, he said " your mortgage company has been trying to contact you, and I am supposed to give you this letter ''. It was just a payment demand letter. But I just paid! My message back to them is as follows : " You will not correspond with me electronically. You have not cashed my check. You've sent someone to my home to intimidate me. This is egregious. '' They escalated my complaint. In the interim I have sent another check and that check has also not been cashed. What possible reason would they have not to process payments? I'm nowhere near foreclosure, I don't understand why they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had two credit card accounts ( Walmart {$160.00} and Care credit XXXX ) that were in collections. Walmart was paid off on XX/XX/XXXX and Care Credit was paid off on XX/XX/XXXX. I paid off both accounts and have the letters to prove it. It still shows up derogatory or negative on my credit report. With these accounts still showing negative is preventing me from getting other credit or loans. I just want the accounts to show that they are paid and take the negative status off.

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Hello, I previously had a credit card through XXXX XXXX department store that went to collections with XXXX XXXX. I paid this debt in two/three installments with XXXX in XXXX, but this collections debt still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Chase Bank Usa, N.A Inquiry date : 1. XX/XX/2018 2. XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company XXXX Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date OpenXXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am in the process of applying for a loan modification. My loan requires a balloon payment of XXXX, as the loan has matured. I was told by a representative that I could modify. I have the ability to continue to pay under the previous monthly terms or a new refinancing. I just dont have the lump sum amount. During this process, I have offered to make the interest payments to keep the account current. They have refused payment, yet send me bills indicating that I should make a payment to reinstate the account. They are also reporting this on my credit report, making it impossible to finance through a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TN

Complaint narrative:
Equifax is incorrectly reporting me 120 days late on XXXX, partial account number XXXX that has a {$0.00} balance and a {$0.00} past due amount. This incorrect reporting is hurting my credit score. It's impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I can never log into my account first off second thing is the credit limit was lowered by {$150.00} from {$1000.00} to {$850.00} therefore my payment was and is only paying interest and making my credit look bad as if I over charged my card. I was never notified of said credit decrease. This should be absolutely illegal as it hurt my credit by 10 points and up. My credit reports are showing late payments the late payments are due to XXXX site not letting me log in and from experience I do not pay by phone as I am always charged a fee. What kind of banking institution decreases a credit limit to make the person with credit look like they are a HIGH risk person to give credit to? I'm looking into my legal options with my local court next.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

XXXX XXXX  XXXX, XXXX Inquiry date : XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

Cbna Inquiry date : XXXX2018 XX/XX/XXXX2018 XXXX2018

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 2019-03-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I went to the dealership and found a car agreed to finance it through XXXX. Instead of 1 hard inquiry they forwarded my information to two other places and now I have 3 hard inquiries. The inquiries were not agreed too neither did I have prior knowledge of this. The 2 inquiries that are fraud and need to be removed are for XX/XX/2019 Fifth Third Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX I spoke with the finance manager XXXX XXXX at XXXX XXXX and she confirms it was a mistake on their end and is trying to remove it. XXXX has been a nightmare to deal with the reps just hang up when you try to explain the issue never did I receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA. 

As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account. 

In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law.

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 2019-03-07 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX   XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}

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 2019-03-07 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX  XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX   XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$2600.00}

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 2019-03-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

CitiBank Na Inquiry Date : XX/XX/2018 XX/XX/2018

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 2019-03-07 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: I.C. System, Inc.
State: VA

Complaint narrative:
In XX/XX/2017 I noticed that IC Systems/XXXX was shown on my credit report as a collections account. I contacted them to confirm the address for the service because I had evidence of paying my XXXX account prior to relocating out of the state of PA. The address they provided was an address that I have never lived and during the time the service was provided, I showed evidence that I was living in VA. I submitted all of this information to all 3 credit bureaus ( XXXX, XXXX  and XXXX ) so  that the erroneous information would be removed. My credit report also showed the address where XXXX service was provided and I submitted evidence to all 3 credit bureaus advising that I never lived at the address they had on file. Each credit bureau removed the collection account as well as that address listed based on the written documentation provided. At the end of XX/XX/2017, I received a call from XXXX attempting to collect on that same debt that I had the credit bureaus remove and I advised them again that this was not my debt since I had never resided at the address where XXXX provided service. I was told that in order for me to stop the collection calls, I needed to fill out a form for fraud on their website. I completed this as required but received a letter advising they would not process my online form unless I could provide a police report for identity theft.. When I contacted XXXX XXXX ( VA ) Police Department they basically advised that since I was not sure who stole my identity, I should have been able to dispute this with documentation evidencing my previous address during the time the services were provided by XXXX. On XX/XX/2017, I submitted a letter to XXXX ( attached in this complaint ) advising them of this and provided all supporting documentation to evidence that I never lived at the residence and I never heard back. Today I received an alert from XXXX XXXX that a collection account has been added to my credit report from IC Systems and the original creditor is XXXX. This has caused my credit score to go  down XXXX points. It has been 2 years since I sent the letter to XXXX and they have never responded but have sold this debt to IC Systems again and is now showing as a collection on my credit report. I have never received any information or telephone calls since submitting my letter to them 2 years ago. I have submitted a letter to the 3 credit bureaus again to have this removed from my credit file

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co, XXXX Chase Executive Offices Mail CodeXXXX XXXX XXXX XXXX XXXX, Ohio XXXX RE : Account Numbers XXXX ; XXXX Dear Sir or Madam : I am writing to dispute fraudulent charges on my account in the amount of {$13000.00} {$12000.00}. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that the charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
Enclosed are copies of my Identity Theft Report, my Colorado drivers license, and flight itinerary, showing that I was not in town or at my house to receive or sign for any packages, supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
In the letter you sent me for denying these fraudulent claims you state I received benefit from these transaction this is in correct. I did not receive benefits from these transactions because I did not receive any merchandise or any type of benefit. 
I have also talked to XXXX EXT. XXXX and XXXX EXT. XXXX and told them I did not make these purchase. They confirmed that the dates, that packages were delivered I was not at my house, I was in another State. They do not want to listen to anything I have to say. They told me that I have to write a letter to Chase Executive office. 
Also please send me all the information you have received for the retailers. Once I receive this information, hope fully including what was purchased and the tracking information. I will review this information. I am sure if you review the tracing information, my signature will not be the signature that signed for these packages. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX Wells Fargo ATTN : Wells Fargo Credit Dispute Department Fax XXXX To Whom it May Concern : Attached please find information regarding Wells Fargos errors, and failure to remove negative reporting information to all credit bureau reporting agencies. 
This has been an ongoing issue, and Wells Fargo agreed to rectify their errors in regards to my account Full names : XXXX XXXX XXXX XXXX XXXX XXXX Full account # XXXX ss # XXXX XXXX XXXX. - XXXX DOB XXXX XXXX XXXX - XX/XX/XXXX Mailing address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC. XXXX Phone # s XXXX XXXX XXXX - XXXX Respectfully, 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