vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 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: NC

Complaint narrative:
My identity was stolen back in 2018 due to my information being exposed in the XXXX XXXX XXXX. As a result fraudulent information has been posted to my credit report. According the Fair Credit Reporting Act Section 605-B these fraudulent accounts should be deleted from my credit report within 4 days. I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent account reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2020-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Before using Capitol one credit card, I was using a credit card from XXXX XXXX. During this period, I have been in good standing with XXXX  XXXX  with no late payments. As a result of the transition from XXXX XXXX to Capital One XXXX, my auto-payment information did not transfer over, and as a result, I had a payment past due. The impact of this is a drastic fall of my excellent XXXX  Credit Score from XXXX Points to XXXX Points ( -106 ), and XXXX  Credit Score from XXXX Points to XXXX Points ( -105 Points ) Till now, I have been a great standing customer with Capital One and other credit card companies, and I am happy to provide other credit card history with positive standing reports upon request if needed. 
I have called capital one several times to resolve this with no headway, which resulted in me filing a dispute, requesting that delinquent period reflecting on my account be removed because I am a victim of the XXXX XXXX to Capitol one bank switch that has disrupted my normal payment process. 
My last call on XX/XX/17 with an agent ( XXXX ), I was advised that they can not change anything, and they will send me a notification to that effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am inquiring about forbearance versus deferment. Why is PHH/XXXX not offering clients a deferment payment during these unprecedented times of COVID-19? 
I am an on-time paying client and have been for many years. I have been impacted by COVID-19 with a furlough and an uncertain return-to-work time frame. I contacted XXXX customer service by phone on XX/XX/20 and through email only to learn that the expectation of forbearance is to repay at the end of 90 days with no option to renegotiate the loan. My intent to defer, ( have the payments that are missed be renegotiated back into the life of the loan ) was not entertained. 
I would like XXXX/PHH to consider the client on an individual basis. COVID-19 impact is not a one-size-fits all. Every client should have options at this time. 

I have included the attorney general of California in this email for future reference and counsel, potentially for my circumstance or others. 

Please confirm the receipt of this email and what next steps may look like. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: Midwest Recovery Systems
State: AR

Complaint narrative:
Please be advise that this account was recently deleted from my XXXX  Credit  report due to identity fraud. The account ( XXXX XXXX XXXX  # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX whom apparently has sold this fraudulent debt after being notified from myself and XXXX  to MIDWEST RECOVERY SYSTEMS. Now this same account with a balance of {$150.00} is reporting on my XXXX  credit file with MIDWEST RECOVERY SYSTEMS as the collector. There are several violations due to this activity. XXXX  is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. MIDWEST RE COVERY SYSTEMS  failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015

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 2020-04-17 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: PA

Complaint narrative:
XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX  {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX  & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL

Complaint narrative:
Ace sent a very threatening email saying they would file a lawsuit against me making me pay over XXXX unless I paid roughly {$400.00} I have not gotten in calls, letters, I dont know when this debt was or how old. It was very threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later XXXX  does the same. This is unfair as this info is not new info. I have attempted several times to call Transunion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.

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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Unauthorized and or disputed items on the account, reported to the bank TWICE, over several weeks. Bank has failed to process or ignoledge the claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark Financial XX/XX/XXXX in the amount of {$1700.00}, XX/XX/XXXX {$1200.00} and XX/XX/XXXX {$0.00}. Accounts are charged off and closed on my account and tried to dispute why 3 different accounts that I'm not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
I had a medical bill go into collections with Receivable Solutions. I tried to contact them in writing ( via email ) if they had a way to make payments online. The only response i received is that I had to call them. I went ahead & mailed in a payment for {$100.00} in XXXX. Did not receive any further statement from them showing me my remaining balance & payment options. They then start calling me. No message left, the only way I knew it was them was by doing a XXXX search. I sent a 2nd email on XX/XX/20 asking how to receive a second statement and again asked if they offered online payments. Again, they refused to give me any information IN WRITING and told me I had to call. When I deal with debt collectors, I want everything in writing to know that the debt is legitimate. I want Receivable Solutions to send me an updated statement showing my balance after payment has been made. If they can not provide me with this, then I will contact the hospital 's billing department directly. 

I do not understand how a company can not provide simple answers to simple questions via email. Don't have an email address for customer 's to contact you on if you're not going to use it to answer their questions. 

Horrible customer service & it makes me question their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, 2019, XXXX XXXX, alleged that XXXX XXXX, defaulted on a credit card in XXXX County Municipal Court, in Ohio ( XXXX XXXX, has no knowledge as to the nature of the allegations ). The case was dropped by XXXX XXXX, and dismissed by the Court on XXXX XXXX, 2019. However, XXXX XXXX, continues to report to Transunion, and other credit reporting agencies that XXXX XXXX, owes a filing fee of {$110.00} for the fruitless action. XXXX XXXX has been in contact with Transunion, and XXXX XXXX, who continue to claim he owes the filing fee, and there is no error.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
For the last three months, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get my mortgage company, Dovenmuehle, to consent to an easement across my property at XXXX XXXX XXXX, XXXX, Texas XXXX. The easement will not affect the use of my property as it is mainly under the road leading to the main property. Once Dovenmuehle found out that XXXX was paying me for the easement, they have demanded a payment against the principle of my mortgage. I only owe {$140000.00} against a property valued at over {$400000.00} but Dovenmuehle is now demanding {$20000.00} be paid prior to closing XXXX closing can not happen till they sign the consent ). They originally claimed the XXXX was demanding {$39000.00} be paid against the principle but have since offered to " settle '' for {$20000.00}. I do not have {$20000.00} to pay them, so we are at an impasse. The XXXX XXXX XXXX agent handling the easement acquisition has never heard of such a demand. If XXXX truly requires such a payment, why won't they accept payment upon closing? I feel like I'm being extorted for {$20000.00} for a consent that is costing Dovenmuehle nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX dropped my credit score 88 points due to a bankruptcy that I filed in XXXX. This was known to them for years. I discovered this on XXXX XXXX XXXX. 2 days later Equifax does the same. This is unfair as this info is not new info. I have attempted several times to call XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to speak to a live person. I want a complaint filed. I want my credit scores corrected asap. I want a monetary settlement of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: FL

Complaint narrative:
I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit to see a collection account from XXXX XXXX for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.

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 2020-04-17 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: GA

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2016 {$9400.00} Account is paid and closed account is still showing on credit. Tried to dispute

Company response to consumer: Closed with explanation