vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
Recived verification that's show 's balance incorrect original and current balance!

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 2020-06-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recived verification that's show 's balance incorrect original and current balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems was sent a debt validation letter by me for an account from XXXX XXXX they are trying to collect on. They failed to respond within the 30 day period mandated by law, and in their own letter back to me they acknowledged this lapse. Ive attached their correspondence showing their acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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 — Problem with personal statement of dispute
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filed a loan modification application with my loan service provider, Selene Finance. All of the documents that were requested were reviewed by my HUD XXXX XXXX, XXXX XXXX, XXXX and In XXXX I ended up submitting a complaint to the CFPB ( XXXX ) because I was getting mixed responses from Selene Finance on the status of my application submission. After CFPB became involved, I received a call from Selene Finance advising that my application was complete and that the underwriter submitted the modification proposal over to the investor. 
I was then contacted by XXXX XXXX from Selene Finance and was told that they should be hearing of a modification approval by the investor by XX/XX/XXXX. On XXXX my XXXX XXXX tried to reach Selene Finance and after no success. I called in and was told by Customer Service Representative that my loan modification proposal was still being reviewed by the investor but that I should be hearing back from them by XXXX. On XXXX I tried reaching out and was unable to reach XXXX XXXX. I gave it another week and reached out to Mr. XXXX then advised that my proposal was still being reviewed by the investor and that I should wait another week. It is now XX/XX/XXXX and as of today, my XXXX XXXX was advised that my loan modification proposal was still being reviewed by the investor. 
The concern my XXXX XXXX has is that after 30 days Selene Finance or the investor can come back and ask that resubmit the loan modification application because the documents I submitted back in XXXX are no longer valid after 30 days. Therefore, shes asked to reach out to you for further assistance. 

XXXX regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : XXXX DOB : XX/XX/XXXX XXXX : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX  XXXX {$30000.00} XXXX XXXX   {$950.00} XXXX XXXX XXXX A {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, 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 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A company called Asset Acceptance contacted me about a very old ( 15+ years ) credit card debt from my XXXX  XXXX Credit Card . In 2005, XXXX took XXXX out of my checking account and I was under that impression that this money settled the debt. I just recently got rid of all of the old paperwork that I had concerning this debt. I am not sure what to do at this point and would like for this to be resolved and for this company to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two prior complaints remain unaddressed causing financial impact. You can not reach them through any medium and when you try to repsone to their so called reach out emIL IT FAILS! 
Failure Notice XX/XX/XXXX at XXXX XXXX  PrintRaw message XXXX XXXX To : XXXX Sorry, we were unable to deliver your message to the following address. 

XXXX : XXXX : XXXX relaying denied -- - Below this line is a copy of the message. 

XXXX-Signature : v=1 ; a=XXXX ; c=relaxed/relaxed ; d=XXXX ; XXXXXXXX ; XXXX ; XXXX ; h=Date : From : To : In-Reply-To : References : Subject : From : Subject ; XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Received : from XXXX by XXXX with HTTP ; Wed, XXXX XX/XX/2020 XXXX XXXX Date : Wed, XXXX XX/XX/2020 XXXX XXXX ( UTC ) From : XXXX XXXX XXXX To : Capital One XXXX XXXX : XXXX XXXX : XXXX References : XXXX Subject : =? XXXX? XXXX? XXXX : XXXX? = MIME-Version : XXXX Content-Type : multipart/alternative ; boundary= '' -- -- XXXX '' X-Mailer : XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ) XXXX XXXX Content-Length : XXXX -- -- -- XXXX Content-Type : text/plain ; XXXX Content-Transfer-Encoding : quoted-printable I had asked last month for a skip payment you did not respond. My account questions have not been answered and you still have not reached out to apply the skipXXXX On Thursday, XX/XX/2020, XXXX XXXX XXXX, Capital One <XXXX @ XXXX XXXX wrote : XXXX XXXX XXXX we are here to help Not so!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE COMPLETED MY IDENTITY THEFT REPORT AND I HAVE ALSO CONTACTED WELLS FARGO FRAUD TEAM AT XXXX XXXX AND SPOKE WITH XXXX   AND I HAVE OPENED A FRAUD CLIAM WITH THEM AS WELL. THIS SECURED CREDIT CARD WAS OPENED FRAUDULENTLY, THIS ACCOUNT WAS NEVER MAINTAINED BY ME ITS A CLOSED CREDIT CARD WITH XXXX BALANCE. SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT SECURED CREDIT CARD. I HAVE ALSO MAILED MY IDENTITY HTEFT REPORT TO XXXX AND TO WELLS FARGO TO HAVE THIS ACCOUNT REMOVED FROM 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 2020-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On my two Capital One accounts, Capital One reported to all three credit bureaus that I was deceased. I received two letters to accept their condolences for my passing. 
I contacted Capital One on XX/XX/20 and they would not give me an answer as to why they reported me deceased. The agent ID XXXX XXXX was working on my claim. I was on the line with agent XXXX XXXX and she was relaying messages b/t me and the XXXX customer care dept. I was refused as to who was the original furnisher and why and was told they couldn't give that information to the agent or me. Capital One is the only entity that have me reported as the deceased. I then called all three credit bureaus to dispute this violation of placing invalid/wrong information on my credit report. I am being denied Homeowners insurance b/c they aren't able to obtain a score. I was unable to check my credit at the time. This has been a depressing hassle to know my credit report had been shutdown. Now my homeowner 's insurance is about to expire and this could possibly take 30-90days. I was also told by Capital One that they could not expedite the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03 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: NY

Complaint narrative:
I have attempted to get accounts on my credit report verified or removed. The credit bureau has blatantly denied my request and refused to investigate the issue and I am very upset.

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I refinanced my mortgage loan through XXXX XXXX XXXXXXXX and provided them with an active insurance policy that was in effect until XX/XX/XXXX. Right after the first payment was made, XXXX sold the loan to NewReZ LLC. Shortly after NewRez took control, they sent me a letter indicating they did not have my hazard insurance information. I called and emailed them to tell them they should have obtained this information from XXXX during the service transfer, and I also gave them my XXXX XXXX agent name and phone number so they could resolve the issue. I know it is the responsibility of both mortgage companies to ensure this transfer is executed competently. A month later they sent me another letter and I responded again with my agents name and number. Apparently, they never called my insurance agent to get the correct information in place. On XX/XX/XXXX, NewRez sent another letter telling me they have issued lender-place insurance and charged my escrow account {$1500.00}. On XX/XX/XXXX, I called XXXX and spoke to NewREz Customer service agent XXXX in XXXX TX and told her to call my agent to get the issue resolved. She was rude and refused to follow up. I had her transfer me to Customer Service supervisor XXXX XXXX in XXXX FL who was also rude, unhelpful and did not want to call my agent. I had him transfer my complaint to his boss - XXXX XXXX at XXXX x XXXX. I left a voice mail on XX/XX/XXXX and another on XX/XX/XXXX with no response. I expect NewRez to take responsibility for the error during the transfer of my loan from XXXX, apply the correct loss payable clause to my insurance policy, refund the lender-placed insurance and pay the NOW DUE premium to XXXX XXXX. Please advise. After discussing this issue with my insurance agent, they inform me they were not aware of the change of lender and invoiced XXXX for the new premium with no response from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   {$18000.00} XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$3500.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. Maybe even my dad since we have the same first and last name. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : 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 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
I made a settlement with the student loan company for my old student loans from 30 years ago.

I paid them and they told me I owed nothing to the student loan department.

I have watched my credit report and paid all my debts on time and had a good credit report, only to see it drop 40 points one day.

I looked into it and found it was the federal perkins loan department ( ECSI ) saying i did not pay them {$900.00}.

This is unfair as I have not heard from them in 5 years.

Knowing I paid my debts with the student loan company if there was anything outstanding with the government, they would know.

Help me please, I want this off my credit as it's unfair to put it on without contacting me in the last 5 years.

I also don't see why I have to pay it if I was told by the federal government i owe nothing in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: TX

Complaint narrative:
Client Services INC. A company that sent me a letter in the mail saying that I owe them debt in the amount of {$1200.00}. I do not know this company nor do i have a contract with this company about said debt. I sent them a letter asking for validation and they did not send me validation. Nor are they licensed in my State to collect said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation