vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX My phone number is ( 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 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
I previously had an account with XXXX and had my service terminated. They sent me a collection bill a few months ago in which I have paid. They are still reporting it on my credit report and has yet to remove it from my report.

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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Thsi must be the 4th or 5th time I've disputed an item from Experian. XXXX XXXX XXXX XXXX XXXX  corrected and deleted data off of my report and Experian lazily will not do so. 

I include letters to Experian and the most recent dispute item from Experian today XX/XX/XXXX after I notified them of the erro for the 5th time.

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 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Credit limit was lowered without my knowledge on XX/XX/2020. I received no information that this was going to happen. Called the company and they stated that a letter was sent out on XX/XX/2020, which I did not receive because I was in the process of moving. Found out about the decrease from XXXX to XXXX on XX/XX/2020 due to my credit report. Called Chase because I wanted to know why. Chase reported limited spending, and low utilization and that they sent a letter out. I did not receive this information. I fully pay my credit card off every month, and use this card every month. They will not reinstate my original credit card line without a credit pull. 
I then asked multiple times what their definition of low spending and limited utilization was, which they could not answer despite being the ones to lower my credit limit. They could not tell me how to prevent this in the future. 
It is not right that they lower the credit limit without being able to tell me exactly how I could have prevented this, and not reaching out to me through at least an email. I even changed my address recently and they shouldve sent more notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated
State: AL

Complaint narrative:
Yes I have money in my account and have been trying to use my debit card and it want let me says contact my bank well I have called every # on this paper from which the card came from and cant get in touch with a actual person I need access. To my money this is XXXX it needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received in the mail a US Bank ReliaCard Debit card in the mail. Never solicited for it. I called the phone number and discovered its for unemployment insurance payment. I called XXXX to have the card deactivated. I was on hold for 2 hrs before reaching an agent XXXX located in XXXX, Florida. I advised I never filed a claim for unemployment. She deactivated the card, she advised she will mail me paperwork showing the card is deactivated. XXXX advised me to file a Police Report, file a complaint with the Federal Trade Commission, file reports of fraud with the 3 credit bureau 's and call the Colorado Unemployment and get the case closed on my name. I have a very unusual last name XXXX. I'm the only one in Colorado!! I will do some of this today and the rest I will have to do on Monday with phone calls. 
I called the XXXX County Sheriff 's Department to file a Police Report it is CT XXXX with Officer XXXX Badge # XXXX. He informed me that these people can be anywhere and to file a report with this agency as well. 
I did not activate the card, I refused to give the last 4 digits or confirm my phone number. The card was never activated. I am a Federal Worker for USPS, I know there was a breach a few years back on our information. I will be enrolling in XXXX as well for my protection.

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 2020-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Orion Portfolio Services, LLC
State: KY

Complaint narrative:
I had a credit card which I fell behind on around XX/XX/2019 due to a financial hardship. The credit card ended up being closed and sent to collections. I have since paid the credit card off and have attempted to have removed because I was under an impression it was a pay to delete. The account has been paid but it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
i cant link my XXXX  account and i can not access those funds because PNC has decided not to allow it to be connected if this is not solved soon im going to be leaving the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX Credit Card says no interest until after the promotional period ( usually 18 months ) which leads most people to believe that if you have a balance after 18 months, they will charge interest on the remaining balance. BUT, THIS IS NOT HOW IT WORKS. If you have even a small balance left after the promotional period ends, they charge interest on the original balance ( not just the remaining balance ), even if most of the original balance has been paid. In my case, I paid down a balance of {$2800.00} to {$750.00} when my promotional period ended. Instead of charging me interest on the remaining {$750.00}, they charged me interest on the original balance, even though most of it ( i.e., {$2100.00} XXXX had been paid off. The interest charged was {$830.00}. Yes, you read that right, a single interest charge of {$830.00} on a remaining balance of {$750.00}. So my balance has gone from {$750.00} to {$1500.00} in only XXXX month, just because of an interest charge. I called customer service twice today, but they were of no help, saying it was my fault I did not read the fine print of the contract I was signing. I asked for a copy of the contract, and they refused to provide it to me! I have card statements to prove what I'm saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XXXX  represented me and secure a modification with PHH mortgage ( Ocwen ) ON XX/XX/XXXX I was informed that the modification was successful and that I am to pay XXXX on XXXX XXXX. XXXX XX/XX/XXXX I tried to make my payment over the phone, the system stated that no payments can be made on this account. I tried to pay online and I could not because I have limited access. I could not reach a customer service rep because the company no longer have customer service on the weekends. Since this company has took over my mortgage its been a nightmare. My first modification was removed because a customer service rep marked my payment to be taken out of my checking when I clearly said to take the payment from savings. Everytime I called to get it straighten out the customer service rep stated that it will be escalated and for me not to worry.. Now I paid a third party to help me and this phh mortgage again is messing me over with my payments. I HAVE AN AGREEMENT/MODIFICATION TO PAY ON XXXX XXXX.I AM COMPLYING WITH THE AGREEMENT AND PHH WILL NOT TAKE MY PAYMENT. This mortgage company is a predatory company. I want this company held responsible for its deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

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 2020-08-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: DC

Complaint narrative:
Thsi must be the 4th or 5th time I've disputed an item from XXXX. XXXX XXXX XXXX XXXX XXXX corrected and deleted data off of my report and XXXX lazily will not do so. 

I include letters to XXXX and the most recent dispute item from XXXX today XX/XX/XXXX after I notified them of the erro for the 5th time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Listen, i've tried several times to get this account resolved but unfortunately, i haven't been successful as of yet. I've sent all the documetns and forms that were requested of affidavit and it still reports on my credit. The only thing i got back from National Recovery COllection company are bunch of pre-printed statement. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing, Inc has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.

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 2020-08-01 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: MS

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2020-08-01 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

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 2020-08-01 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: NY

Complaint narrative:
I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I refinanced my mortgage with PHH in XX/XX/XXXX, and the intention was not to have an Escrow on my loan. My closing documents clearly indicated there was no Escrow on my loan ; I paid the XX/XX/XXXX RE taxes from my own pocket, and my Homeowners policy was also paid for the entire year. 
My XXXX policy was coming up for renewal on XX/XX/XXXX and when trying to make payment to XXXX, I was told that PHH has already made my payment of {$980.00} on XX/XX/XXXX. How was this necessary, when my XXXX insurance hasn't even expired yet, it was not late or cancelled, plus there was no XXXX monies set aside on my loan?? This pushed my loan into Escrow without PHH notifying me or having my approval. Altering my loan without my knowledge sounded very much like a XXXX XXXX scam. 
After many phone calls and negotiations PHH agreed to remove the escrow from my account if I paid them back the {$980.00}, they paid to XXXX. I gave PHH a payment of {$980.00} over the phone on XX/XX/XXXX ; and the payment cleared my bank on XX/XX/XXXX. They reassured me the Escrow will be removed from my account. I made XXXX, XXXX & XXXX payments without any incident, giving me the peace of mind the issue was settled. 
On XX/XX/XXXX I was trying to make my XXXX mortgage payment only to discover that escrow was pushed back into my account again and my monthly payments are {$81.00} higher. I called and spoke to XXXX in Customer XXXX on XX/XX/XXXX, she reassured me it was an error and it will be fixed right away. Today is XX/XX/XXXX, however the problem has not been fixed and I am not able to make my XXXX payment, because it is asking for a higher amount. This level of incompetence is extremely frustrating. Their customer service hours have changed due to COVID, and I can't even reach a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
On XX/XX/2020 I obtained a cashiers check from XXXX XXXX XXXX for {$700.00} to pay my mortgage payment to Mr. Cooper for the month of XXXX. {$690.00} was the payment with an additional {$7.00} to be added to principal. I mailed this check via certified mail with signature confirmation. On XX/XX/XXXX, the documentation shows the check was delivered and was signed for by a Mr. Cooper employee. Mr. Cooper then lost the check, failed to credit the payment to my account and then failed to inform me of this. 

Suspiciously, I only found out about this because I am refinancing my mortgage to another bank. When I obtained my payoff balance it showed me a month behind. I immediately contacted Mr. Cooper and provided them all of the documentation which includes their signature. Not surprisingly, they claim this documentation is " insufficient '' for them to find the check. ( I am attaching that same documentation to this complaint. 

As a result of this negligence by Mr. Cooper, I have been damaged in numerous ways including out of pocket expenses and damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
Hello, I received the following emails along with the applicable amounts. I have also attached the emails as well as my response to both emails received. 

XXXX Fri, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$890.00} Legal Proceeding XXXX Tue, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$970.00} Action that this creditor took was : Send the above email with threatening words in the attached emails. On Saturday, XX/XX/2020 a Process Server came to my home and put a notepad note ( Also attached ) on my door stating criminal offense, obstruction of justice wordings. I do not appreciate this type of harassment over a bill that could amicably be resolved. Harassment and threatening is a violation and I do intend to sue unless this type of behavior is halted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received an email this morning stating my email had been updated on my Experian account. Upon attempting to login, I found this to be true. I have attempted contacting Experian for almost 4 hours, upon every phone number they have listed onlilne, as well as trying to reach someone through XXXX but with no luck. I have tried an online freeze of my accounts, as well as attempted to do this over the phone, and both ways fail. At this time, someone has applied for about 6 personal online loans using my credit report info from Experian, and I can not stop this.

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