vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: FL

Complaint narrative:
XX/XX/2019 - sent letter regarding HIPAA violation XX/XX/2019 - Omega RMS sent response with credit application. The signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature. 
XX/XX/2019 - Sent another letter for debt validation requesting the following : *Please attach a copy of the agreement with your client that grants Omega RMS the authority to collect this alleged debt. 
*Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
*Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
*Please attach copies of all statements while this account was open. 
XX/XX/2019 - Omega RMS sends the same credit application package. Again, the signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature Can you please have Omega RMS supply the above requests giving them authorization to collect this debt from the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.

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 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I filed Chapter XXXX Bankruptcy in XXXX that's has been Discharged, in which I surrendered a residential property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX back to Ocwen Loan Servicing LLC. Ocwen Loan Servicing refuses to remove my name from the deed of the property. So the City Tax office still have me as the owner of the property and billing me for the up keep of this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
This company is very threatening. They are demanding payment. Threaten law suits. Say they will garnish wages. I have stopped answering when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover has decreased my line of credit. I have paid off my balance and only missed one payment by 5 days. And my account went from {$11000.00} of available credit to {$1500.00}. As a customer for 3 years I feel discriminated within the use of fair credit reporting act and mistreated by a company that just reached out to me about a line of credit for my XXXX XXXX agency. It was very unprofessional to decrease a line of credit to worsen someones score who has been faithful and paid back efficiently. Discovers service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A year ago I took out a loan with ACE cash express, after 72 hours I attempted to return the money totaling XXXX within 72 hours as stated by the worker on XXXX XXXX, in XXXX, TX. When I went in I was advised that I had the loan for 79 hours and could not return the funds without adding another XXXX for interest. I than called the customer service and told to make some kind of payment until I received a call from a supervisor. Of course that never happened. I made a XXXX payment. Fast forward to XX/XX/2019, I started receiving threatening voicemails. I'm going to assume because I wasnt not answering XXXX from a legal department contact number XXXX XXXX XXXX started calling my sister, my XXXX year old son and my friend, threatening them. On XX/XX/2019 I was finally able to answer the phone when a call came through and was informed that now I owed XXXX for interest and court cost, XX/XX/2019 XXXX called me and advised that I would be served at my home and that they would be calling my employer to advise them of the case filed against me. I have tried to settle a number of times but I refused to give them my bank account and/ or my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.

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 2019-03-27 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: NY

Complaint narrative:
In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: TX

Complaint narrative:
Equifax added an account they deleted XXXX XXXX  with notice which is violation of my fcra and also have done nothing to help me with all the ftc vilations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: OK

Complaint narrative:
XX/XX/2019 : repeated calls to employer ; harassment to colleague. 
A representative from World Acceptance, XXXX, INCESSANTLY phones my place of employment ; it is a place of business, not my personal cellphone. I have repeatedly explained the dire nature of my finances, and a promised payment to no such avail. They harass me at work every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: CT

Complaint narrative:
I have contacted Transunion by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Transunion to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.

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 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
JH PORTFOLIO DEBT EQUITI Account number XXXX .... 
Recent balance {$1700.00} as of XX/XX/2019- this is not my debt. XXXX XXXX stated they do not have any past due account in my name. This collection company is reporting erroneous collection on my credit and is aggressively attempting to collect debt for the creditor-XXXX XXXX whom I don't owe anything ... this is violation of f.c.r.a. and violation of fair collection practices act

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-27 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through Ally Financial, XXXX XXXX XXXX, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this 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 2019-03-27 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, XXXX XXXX XXXX, TD Auto Financial. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have held a mortgage for over 27 years with no issues with credit reporting. In XX/XX/2019 & in the process of changing my payor banking accounts, I inadvertently failed to pay my monthly mortgage to Wells Fargo. On XX/XX/XXXX, Wells Fargo filed a 30 days credit report. Prior to Wells Fargo filing the credit report, I never received a phone message, an email, or a letter from Wells Fargo to inform me they had not received my payment. ( WF claimed they called on XX/XX/XXXX but did not leave a message. I see no such record on my call list. ) On Saturday, XX/XX/XXXX, I finally received a call from a Wells Fargo representative who informed me of my delinquency. I immediately sent in my payment. This representative even waived my late fee. The following Monday on XX/XX/XXXX, I then sent a written request via fax to Wells Fargo and asked them to recall the 30 day credit report. My WF representative was XXXX XXXX. She simply refused stating they had no power or authority to do so. I asked to speak to a supervisor but no supervisor has called me back. I have asked if I could provide any additional evidence and no one has given me guidance or a forum to plead my case to a higher level where the goodwill recall and discretion can be given. The 30-day credit report will affect not only my credit score but my security clearance for which my job is dependent. I believe Wells Fargos actions are unreasonable and without any regard to true customer service and appreciation. I question their practice of filing a credit report so quickly when actual contact was not made with me. ( The first letter I received was the week of XX/XX/XXXX dated by XXXX in XX/XX/XXXX, the day the crrdit report was file. ) I am begging for mercy.

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 2019-03-27 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: CT

Complaint narrative:
I have contacted Equifax by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Equifax to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 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: CT

Complaint narrative:
I send a letter to Experian concerning an account on my credit profile from XXXX ( XXXX XXXX University ). I informed them the the account didn't belong to me and if it did, I was requesting they validate the account. They didn't report the account as valid, they instead updated the balance owed on the account and stated that the account changed from charge off to a collection when both XXXX and XXXX   deleted the account because the companies could not validate the debt as mine.

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 2019-03-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 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 2019-03-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018

Company response to consumer: Closed with explanation