vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am requesting the following documents, electronically stored information, or objects, certified copies, or samples of materials related to Loan No. XXXX originated by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX Dated XX/XX/XXXX. A full reconveyance and deed of release was then acquired by XXXX XXXX XXXX, Arizona ( formerly the XXXX XXXX XXXX   XXXX Arizona ), dated XX/XX/XXXX, XXXX XXXX, Arizona on the XXXX day of XX/XX/XXXX, Docket / Records number XXXX. These records should appear on all 3 credit reporting agencies. 

FHA Case number : 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 2019-12-06 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: PA

Complaint narrative:
Trans Union has still knows all my credit report that is supposed to be off XXXX sent them a letterAnd they still are showing on 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 2019-12-06 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 is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a follow-up to the previous complaint against Transunion but, under employer information it is blank and I also wanted to know if on my public record I could put that I was laid-off twice for my job history.

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 2019-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I am in an active bankruptcy and since my bankruptcy Ocwen Financial transferred my mortgage to PHH, during this process PHH transitioned there website to a new website and since then have continued to deny me access to my online account, therefore I can not see the status of my loan, confirm payments are received or see the balance. I have attempted to contact them multiple times via email and online support as well as calling them multiple times to no avail. The Customer Service Representatives continue to give me the run around and claim that  they can not give me any information over the phone regarding my account or balance and that they have restricted access to my online account and that I will need to contact an attorney to have them authorize my access to my account. Please note that prior to the company migrating to the new website I had no issues accessing my account or seeing my account balance or payment activity, payment due, escow balance, etc. The last time I was able to access my account was in XXXX of this year. Please advise if this is illegal as I feel I should not be restricted from accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: URS Holding, LLC
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX malicious transaction use my personal information, an unauthorized signature to obtain loans. They were misleading and not letting know. 
I went to an open orientation couple years letter while checking my credit report there were outstanding student loans on my account. I contacted them I never got any response from them. Soon later the school closed. All my attempts to have them discharge this loans have been unsuccessful. 
They advertising was totally misleading. And they never deliver to me any service and any return of this. They requested for this loan was in bad faith. I was never contacted in the past about this loan until it was already in default. And now in collection department of education refuse to discharge it. They keep passing the loan around to different agencies. 
I need help revolving this issue with department of education. Thy haven't been very forgiven of a loan they have no attendance of me a loan I never authorize anyone to open. 
They garnished my tax return and refuse to further investigate this claim from XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
The three credit reporting agencies which are Transunion, XXXX, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
On about late XXXX or early XXXX, I requested internet service from XXXX XXXX, the original creditor name. 

They didn't mention any possible problems in giving me service and in-turn made me feel confident that they could provide a good service. 

At this point they came out to my home and installed a small dish. After finishing the installation, the installer said, there you go, it's up and running. Turned out, their service wasn't working. 

Within that first day, after the installer left my home, I reported to XXXX XXXX, I was having a connection problem. 

They swiftly sent a repairman to my home the following day. 

After checking my system, the repairman told me the problem was with their tower and it would be fixed immediately. 

About the third day, I reported still having a connection problem. 

Again they sent out a repairman. This new repairman said the area-sender was having problems. He stated that XXXX XXXX was working on the trouble as we speak. 

The following day I reported having no service again. They got snooty and said their working on it. 

A good week and a half later, having no service, I called XXXX XXXX and requested a manager. I asked him to cancel my service, and he said no problem. 

Then about a week later, a XXXX XXXX representative called me and said I owe {$120.00}. 

I told them the account was closed due to non service. She said I would have to pay {$120.00} for their service, before the account could be closed. 

XXXX XXXX called me periodically over the next several months, asking for payment. Numerous times they indicated the account was still open. 

Even though they could not provide internet service to my home, they would not close my account or delete the {$120.00} charge. 

I told them I never got service, but the XXXX XXXX reps, were adamant about my paying XXXX XXXX {$120.00}, even though they were unable to provide me service. 

Following all this back and forth, EOS Cca collection service came into the picture. They have called me a number of times requesting payment. I have repeatedly told them I never got service. 

They keep telling me the account is still open and I must pay. 

Ever since closing the XXXX XXXX account ( regardless that they did not close it ), with-in a day, I have been with XXXX 

XXXX came out to my house, installed my service, and have provided me great internet connection with no problems at any time right from start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: OK

Complaint narrative:
The debt collection company, EOS CCA/US Asset Management, in an attempt to collect debt from me mailed me a letter on XX/XX/19 with the information of another person 's debt. I now have that person SSN, Address, DOB, phone numbers plus their cosigners SSN, address, DOB, phone numbers. This makes me worried that my information is at risk too. The company initially reached out to me a couple months ago saying that they got my debt from another company but I didn't hear from them for a few months, I know they are supposed to reach out within 5 days to collect the debt and give information on how to dispute it, and now I am worried that they were sending out my personal information to the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
To whom it may concern ; I am extremely disappointed in the service I have received from XXXX XXXX at Lakeview Loan Servicing LLC -subservicing by XXXX . From his lack luster responses, attitude and basically threatening to remove my refi application just because I asked to talk to a supervisor about a better rate since the Fed had cut the rate and I am getting offers in the mail that are much better and sent him a screen shot of one of these offers over the mail. The fact that he refused to transfer me to a supervisor, threaten to remove and probably did my application, and offered a way over 4 rate, when the rates are at 3+ %, makes me believe this institution maybe conducting in a predatory lender way and should be investigated. Please help. I am an existing customer and the loan in question is Loan Number : XXXX. 

The service office and name of the threat making rep that was handling my refinance : XXXX XXXX Mortgage Loan Originator,  NMLS # XXXX Any help is appreciated. 

 Thank you! 

 Best regards, 
 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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS Account Resolution XX/XX/XXXX Amount {$200.00} I dont have a contract/agreement with the debt collector This debt was already settled with original creditor on XX/XX/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 2019-12-06 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: OH

Complaint narrative:
On XX/XX/2019 I wrote Transunion and informed them of several inquiries that was on my report that was unauthorized and had asked them to contact the furnisher for proof of a signature that I applied for credit. I sent the letter certified mail with tracking number XXXX and was received from TransUnion on XX/XX/2019. I then received a letter from Transunion on XX/XX/2019 without the verification I had requested and was told the inquiries will remain on my credit report for two years. I then resent a second letter on XX/XX/2019 asking them again to provide me documentation with my signature that I had authorized for my credit to be ran by these companies with tracking number XXXX which was received by TransUnion on XX/XX/2019 and they still did not respond back with the requested verification I asked for in which I received on XX/XX/2019. I have given them over 30 days to provide me with verification and they still have not provided me with such.

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had several problems with CitiBank calling me after I have asked them not to contact me by telephone and yet they continue to do so. No lawsuits are currently filed on this matter as of yet. Attached is a screenshot of the Caller ID from CitiBank ( XX/XX/2019 Call ). The same telephone number matches the number that is in their Terms And Conditions. They called me using an automated dialing system and they recorded my telephone call as well.

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 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Identity theft by an employee in the creation of a counterfeit document, in an attempt to use in the legal system to deprive the consumer through fraud. It is a federal crime when a person " knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' In which personal information from my account and that of another, was used to create the counterfeit document.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax mortgage services inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: UHG, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX contacted my mother, and disclosed that they were a debt collector, how much I owed on the outstanding loan, when it was taken out, and how much I needed to pay to settle or pay off the loan. In addition they stated that if I was not to pay the loan by XXXX  the next day they would take out warrants for my arrest due to breach of contract, and fraud. They then proceeded to forward an e-mail to my mother with a document attached for a settlement offer to sign stating that it was to me and that they had a conversation with me related to settling the loan.

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 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase card services inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX Regions bank inquiry on XX/XX/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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Collection agency IC System of XXXX  XXXX, MN claims in XX/XX/2019 that I owe {$370.00} which they say is overdue for cable service provided by their client XXXXXXXX The account, # XXXX, is for a location in XXXX, NY. I explained to IC System that this account can not be mine, since I live in California, have never been in XXXX, NY and have never had or authorized cable service or any other service in XXXX, NY. I asked IC System if they had a social security number or drivers license number associated with the account and they did not have that information. They stated that they had my name, XXXX XXXX, to which I responded that this is not an uncommon name. I told them this was clearly a case of mistaken identity ; however they would not listen. 

The larger problem is that IC System is the second collection agency to harass me about this same XXXX account. 

In XX/XX/2019, XXXX XXXX XXXX of XXXX, TX sent me a collection notice for the same amount and the same cable account number. I called both XXXX XXXX XXXX and XXXX at that time. Neither would cancel their claim. Instead they demanded that I either pay the amount or spend hours of my time in completing their data package, including trips to our police station, while offering me no evidence of why they were billing me other than that they had my name. The fact that XXXX recognized that I have long had a valid cable account with them at our home in California which is fully paid up and has had no late payments ever, did not deter them. XXXX XXXX XXXX then filed notices with the three major credit reporting agencies. I sought the advice of our ID Theft insurance company who helped us get this reversed and ultimately get my credit rating restored. 

I demand that XXXX and IC System stop harassing me for a case that had been previously resolved in my favor, that they reverse any credit ratings filed against me, and that XXXX and their collection agencies not harass me in the future for debts that are 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 2019-12-06 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: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
We had an account for a Timeshare we had purchased. Which later went into default. But the company that was handling their debt collection, Meridian Financial Services filed a negative report on my credit for the debt 5 1/2 years ago, since that time, they have filed additional negative reports using different account numbers filed 3.5 years ago and again 1.5 years ago. I have tried to inform the credit bureaus, but every time they said they checked with Meridian Financial and they claimed it was accurate. But I only had 1 account, and now have 6 negatives from them for the same account, which they have used a different account number for each. And each month, they continue to report all 6 negative credit reports, And no one seems to be able to get this fraud by this company corrected.

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