vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 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: PA

Complaint narrative:
I paid on a settlement account on XX/XX/XXXX through XXXX and XXXX on behalf of XXXX. XXXX reported on on XX/XX/XXXX that I still owe the remaining balance on XX/XX/XXXX to the credit bureaus although the settlement letter stated my account would be settled. I uploaded the settlement letter as proof that I no longer owe the money although I was reported again as a late/missed payment and money owed. Experian stated on XX/XX/XXXX the account will remain even with this documentation. This is the second time Experian allowed inaccuracies to remain on my account. XXXX XXXX stated I filed for bankruptcy on my account in XX/XX/XXXX and put 4 charge offs on my account in XXXX. My public record for my bankruptcy is for XX/XX/XXXX. 
When I questioned Experian, I was informed on XX/XX/XXXX by a dispute specialist that even if I have proof that the information is not accurate, the credit companies can put whatever they want on my credit report if they say it is accurate. There is nothing I can do. Even if I have a public record file, XXXX XXXX can say I filed in XX/XX/XXXX. XXXX can say I owe them money even with a settlement letter. All of these inaccuracies have been on my report preventing my credit from going up and getting a mortgage.

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 2020-11-03 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: NC

Complaint narrative:
I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  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 2020-11-03 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:
I have asked the credit bureaus to remove these accounts that do not belong to me. I have asked for documents to show that these accounts belong to me and I have not received them. I was not notified 5 days prior to these accounts being placed on my credit report. According to the FCRA and FTC, I am supposed to receive a letter about these accounts and I have not received any notifications about the accounts listed below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Before pursuing a lawsuit, I have decided to let you pursue the issue. The mortgage on my property was paid in full in XXXX of XXXX. As of this writing ( date : XX/XX/XXXX ) there has been no reply from PHH Mortgage to send the " paid in full '' loan documents to me, as required by the original contract. They have " THUMBED THEIR NOSES '' at me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX County Clerk, title company, etc. PHH Mortgage is a solid FFFF with the XXXX XXXX XXXX, so I have not bothered to contact them for help. 
PHH Mortgage IS responsible for returning the ORIGINAL DOCUMENTS!!! They purchased the loan from the credit union, without my consent. I spent nearly 30 years paying off the mortgage, now I am demanding what I agreed too when the loan documents were originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Debt Collector Company : Transworld Systems Inc. 
-spoke with : XXXX XXXX -phone : XXXX Medical Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX -spoke with : XXXX XXXX : XXXX Insurance : XXXX XXXX XXXX XXXX XX/XX/20 XXXX -Letter received from debt collector for {$120.00} XX/XX/20 : -I paid in full to prevent reporting to credit bureau but found out that provider billed insurance incorrectly. 
-I asked for and received full refund from debt collector while provider reprocesses insurance. 

XX/XX/20 : Provider reprocessed claim and new amount I owed was {$0.00}. They removed my name from debt collector list and notified debt collector via email XX/XX/20 : -Debt collector calls me saying I owe them money for {$120.00} this time for same date of service. 
-I called my insurance who verified that I owe {$0.00} and sent me explanation of benefits -I called provider who verified that I owe {$0.00} and will make sure I am removed from their debt collector list but refuses to call debt collector directly to resolve the issue. 
-I called debt collector who says I still owe them money and even though my account is in dispute status, they may report me to the credit bureau , permanently affecting my credit. They refuse to contact my provider directly to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A XXXX XXXX credit card account was opened in my name in XXXX. I had no clue about this account until recently last month. In XXXX I graduated from XXXX XXXX " XXXX University '' and then I moved to XXXX, Virginia to attend XXXX XXXX XXXX, and I wa sliving there for 3 years up unto XXXX. I have recently found out that my indentity was stolen by one of my family members, my sister. We currently have a scheduled court day because I have filed a report on her on our court date is set for XX/XX/XXXX. 
I disputed this acocunt and I told the debt collectors that the account was not mines, and I asked them tp provide me with forms to verify my signature but no one has. This account was opened fraudulently with XXXX XXXX and then sent to collections, and I do not know when it was sent to collections until this year when I pulled my credit. I have since been dispting, but now I have a lawyer who has filed charges against XXXX XXXX, who happens to be my older sister. 
XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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:
I Have Called All Credit Bureaus Multiple Times And Sent In Letters Monthly Since XX/XX/2019 In Regards To Hard Inquiries Reporting. These Hard Inquiries Have Caused Me To Be At A Standstill With My Home-buying Process. I Have Also Reported That My XXXX Account Has Been Verified Over The Phone By XXXX As Accidentally Reported 30 Days Late. XXXX Removed Late Fee, But It Is Still Showing Up Late.

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 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XX/XX/2020 I used my WesternUnion App to Transfer {$750.00} using the bank account option which the App states it can send faster and direct from my account to the person 's account. I had previously used the App in previous transfers but this was the first for the direct from bank option. Although it stated it was instant and secure, the recipient did not show money was in the account as WesternUnion stated. I cancelled the transaction on XX/XX/2020, thinking there was an issue as there had been delays with banks lately. My App showed the transaction was cancelled and I was to receive my {$750.00} refund within 7 business days. 

I later received an email on XX/XX/2020 from WesternUnion that they were cancelling and refunding me back my {$750.00} MTCN XXXX. After 7 business days I started calling and inquiring WestenUnion about not yet receiving my refund. I was told several times they were processing my refund and if I don't see it to contact my bank XXXX  XXXX XXXX. I contacted XXXX XXXX  XXXX and they stated they did not see it and sent me proof it was not received. I then contacted WesternUnion back and was told ok yes it is still being processed. By this time I had sent emails, XXXX messages and called about my refund. Each time I was told I would receive it. 
I finally filed a complaint with my bank and they denied it saying WesternUnion said it was a recurring charge which was not true. This was a one time transaction and should've been returned. XXXX XXXX XXXX is now stating there is nothing they can do and I have not been successful with WesternUnion to successfully receive my refund of {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MD

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account, and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove this once its confirmed that this is not 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 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of the year XXXX, I received a letter from Wells Fargo Home Mortgage that if I could not pay my property taxes, they could open an escrow account for me. A few weeks later, I received a telephone call from a female representative of Wells Fargo offering the same, and I told her I was fine, and did not need a escrow account. Wells Fargo then informed me a couple of weeks later that they paid my taxes totaling {$1400.00}, which I had until XX/XX/XXXX to pay {$960.00}, according to my county tax commissioner. Wells Fargo stated I had a {$440.00} late fee that they paid. I have never been late or delinquent in paying my taxes, in which XXXX XXXX tax commission informed me when I visited them to confirm Wells Fargo had indeed paid my taxes. I reported this to Wells Fargo ( Case # XXXX, Miss XXXX XXXX / Telephone # XXXX, Extension XXXX ). XXXX informed me they would Not reverse the escrow account, even though I was never late or delinquent in paying my Property Taxes, and did not request them to open an escrow account. Wells Fargo informed me my monthly mortgage payment will increase from {$750.00} a month, to {$900.00} a month, effective XX/XX/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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. This was situation that I could not control. 

Account number : XXXX Credit limit : {$2500.00} Opened : XXXX XXXX, XXXX ( 13 yrs, 9 mos ) My request is based on many damages that I have suffered based on a third party error. I WOULD LIKE A FAIR SOLUTION : THIS LATE REMARK IN XX/XX/XXXX REMOVED FROM MY CREDIT REPORT ASAP. 

Please contact me if you need further information

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 2020-11-03 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: KY

Complaint narrative:
Equifax refuses to remove fraudulent accounts and inquiries on my report. I filed a complaint with the XXXX and they claim the information was " verified ''. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Cascade Capital, LLC
State: NJ

Complaint narrative:
Cascade Capital LLC just lied to me and tried to get money from a person with mental disorders. I am on XXXX this company is in Texas she claimed I was not included in the XXXX $ lawsuit fraudulent tried to get something out of. I am getting my attorney know 1 for lying and taking advantage of a XXXX citizen in the Great usa. Lol The terms were terrible with XXXX XXXX back in XXXX I had the car repoed XXXX XXXX XXXX in in XXXX I spoke with XXXX and said I should receive my post card soon. That is pure and under Trump.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Im am having a very difficult time working with Shellpoint for a FHA short sale approval. We have done everything Shellpoint has asked for. We placed the property on the market at the approved value completed by Shellpoint. We have submitted a short sale offer with the requested NET to NEWREZ/Shellpoint of {$360000.00}. We have also removed the requested liens that FHA will not pay. 

Over the past couple of days the assigned rep. XXXX XXXX has been somewhat difficult to work with. He keeps asking for documents we have already sent more that once. Hes asking underwriting and processing questions that make no sense. After a week of confusion he is now stating we have to remove the relocation assistance of {$3000.00} for the Seller XXXX XXXX. Shellpoint has stated in print and verbally over the phone she would be eligible for relocation assistance. In 12 years in doing short sales I have never seen FHA deny relocation assistance to a hardship file. Ever. The XXXX family is losing their home due to a medical hardship and based on the info Shellpoint provide they were expecting that to help them relocate. These are funds that are needed for this family during the time of COVID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: IL

Complaint narrative:
we have house mortgage with State bridge company, as recently due to COVID-19 i have lost my Job. I have reached out to the Mortgage company to keep the payments on hold per the recent announcement until the pandemic resolves. But the Mortgage company ( state bridge company ) rejected my request as the investor on my loan is private investor. they have suggested to hold untill couple of payments but not untill the COVID-19 pandmic ends. I would request CFPB help us in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I had already submitted a claim for this issue ( CFPB Claim # XXXX XXXX, wherein the company claimed to have credited my checking account on XX/XX/26 for {$75.00}. In fact no such credit was ever made to my Sofi checking account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I had an account forwarded to Harris and Harris Debt Collectors. I set up a payment plan of {$330.00} per month until my debt was owed. I was able to pay off my debt in full on XXXX XXXX, 2020. They took out a payment on XXXX/XXXX/2020 of {$330.00}. I called and explained the situation and they told me they would give me a call back. no call back was received. I called again. They told me they had received another debt and that payment would be applied towards that one. I did NOT give them permission to do that, because I had paid off that debt with the originating hospital. As of XX/XX/2020 at XXXX eastern, i have called them 3-4 times about this issue of getting my money back and have been told every time that a supervisor would call me back. I have not received any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns 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 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/2020, I received a call from XXXX XXXX at IQ Data International stating that we owed {$6800.00} for the cancellation of our prior lease. Ms. XXXX stated that IQ Data bought the debt from our property owner on XX/XX/2020, and that this was a " final notice ''. Ms. XXXX stated that if we did not pay the balance in full today she would charge interest, conduct an employment check, and report us to the credit agencies. We informed Ms. XXXX that we never received any notification - in writing, via email, or phone - of the amount due. We also informed her that we negotiated with the creditor to enter into a payment plan to repay the debt, and were prepared to pay based on that plan. Ms. XXXX indicated that no payment plan would be offered, and the debt had to be paid in full the same day ( XXXX ) that we were notified it existed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied for XXXX XXXX recieved a letter in mail a week later of the background check. Which is inaccurate and not true its stating I have a felony and misdemeanor Its not true at all Ive had this issue before with fraud someone using my identity Ive received a letter with these charges before in the past and contacted the lawyer on that letter about it and he continued to say to ignore if its not me I have nothing to worry about. I just want this cleared up as its false and not true and 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 2020-11-03 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: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns off my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The bureaus not following the laws. They have not provided me with my investigation results.. I sent out several disputes in regards to my credit concerns and they have not complied ... Please help me remove my credit concerns 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