vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
PHH has effectively kept me from obtaining a loan modification, for which my mortgage loan qualifies. I had always made my mortgage payments on time every month, but when I suffered an unforeseeable job loss, I saw that it was going to be impossible to stay current with my payments. I was given a forbearance agreement which I accepted and started making the payments. Unfortunately, I also had to make payments to the bankruptcy Trustee and it was impossible to keep up with both payments. I had to stop making payments and tried to work with PHH Mortgage to get a loan modification, but they would not work with me since I was in bankruptcy. My delinquency has now grown and I am afraid that I will not be able to get into some sort of workout option. PHH Mortgage has definitely received all of the money I should have paid them as I was put into an interest only loan when I bought my home. I definitely was taken advantage of and would have never taken that loan if I realized what I had signed. PHH Mortgage has never provided me with a single point of contact and they are refusing to work with me. I have never had a loan modification on my loan and I make enough money for a reasonable payment, so I must assume that PHH just wants to take my home away to capture the equity that I have in the home. I am extremely upset and frustrated with PHH as they are sending my loan through the foreclosure process and I need help to keep my home for my wife and children. My financial situation has turned around and I am out of my financial distress. I am hoping that you can look into how they are treating me and help me keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I got a phone call and the caller ID showed up as XXXX XXXX XXXX, so I picked it up. Some guy claiming to the the XXXX Police Department dispatcher told me that he has police outside my house and they will be coming in to get me if I don't call XXXX to settle a debt. I let him know that they were at the wrong address anyways and he told me they would be picking me up from work if I didn't call that number. 

I called the number and was told that I was being charged with fraud, writing bad checks, and defamation. If I wanted to avoid these charges I would have to : - Pay {$1000.00} today - Agree to pay $ XXXX/month for six months - Pay {$400.00} today and agree to pay {$170.00} for six months I didn't give them any money, but felt like this should be reported. I'm uncertain at the moment if there is a warrant for my arrest, or if police officers will be showing up at my job, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 non-monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
refuses a mortgage because I filed it online claiming " not available for them- so no assistance '' yet company XXXX XXXX in 5 program in XXXX XXXX  area. switched my payment accounts without my authorization by coercion. repeatedly denies me my XXXX income in a reasonable timeframe-income which is verifiable and guaranteed. advertises 2 day early pay- easy home loans ... truth is company is worse than it was before the govt took action. Corporate said this wasnt WF- this was the old WF-apparenly nothing but the same shenanigans bofa has pulled in the past.

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 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: ID

Complaint narrative:
Back in XX/XX/XXXX I noticed a collection on my credit report by XXXX XXXX for a debt owed to XXXX in XX/XX/XXXX. I had no idea about any debt I owed XXXX. I called XXXX XXXX and they said they could find any information about it and the Representative told me to dispute it. So I did and it was removed from my credit report. 

Fast Forward to today. I find another collection on my credit report but this time from EOS CCA. Same amount and from XXXX. For the record, I never received any correspondence notifying me of the debt from EOS CCA. So I called EOS CCA to explain that I did not owe the debt and had no idea about the debt except that another collection agency reported it on my credit in XX/XX/XXXX and it was removed. They said they did not care and that I either settle or the collection would stay. So I disputed it again with EOS CCA but they told XXXX XXXX that the debt was good. So I called XXXX XXXX and they said they don't actually verify the debt they just ask EOS CCA if it is valid and if they say yes than the collection stays on the report. XXXX XXXX did say if I had any proof that the debt isn't mine than I could submit it. There lies the problem,. I have no clue what this debt is so I have nothing. I tried getting something from XXXX XXXX but to no avail as I give them every piece of information I can but they can't find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, TRansunion, and XXXX. Added a Fraud Alert on each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Greetings to whom may concern ... I recently had my account seized for child support payments. I know you do not give legal advice, but my complaint comes from an USAA employee, XXXX XXXX, willfully released my information ( SSN, drivers license, address, and my full account to my checking and savings ( which also by laws states they can't go into your savings only your checking ) to the Texaschild support agency without my acknowledgement on XX/XX/2019. My accounts were frozen on the XX/XX/2019, because of such an act I have been living off of XXXX XXXX bucks for two weeks. They didn't even notify me of such illegal practices..yet The bank, USAA website states XXXX we don't sell your information '' " your information is confidential. Yet they violated my rights under Title 42 USC Chapter 7 408 ( a ) ( 1 ) social security disclosure is a felony ... under Privacy Act of 1974 ( 5 USC 552 sect. 7 ( a ) states " it shall be unlawful for any Federal, State or, local government agency to deny any individual any rights benefit or privilege by laws because of such individual refusal to disclose his social security number '' And also violation of " 42 USC 1983 under the color of law '' I will also be applying a letter to the CEO of the company and hopefully resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: MI

Complaint narrative:
Never applied for car loan XX/XX/2018 shows as hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experien is reporting 2 credit cards on my credit report that were stolen and used. This has been reported to the police and a police report was sent to Experien they continue to ignore the 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 2019-02-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I did a credit consolidation and completed the program, all debts " paid as Agreed ''. The creditor is reporting that there is a balance of {$2800.00} and that it was " charged off/bad credit ''. That is incorrect, it's XXXX balance, " paid for less owed/settled ''. Please report to credit bureaus correctly, as it affects my credit rating/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 2019-02-01 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: Farrell Holdings, LLC
State: NV

Complaint narrative:
I wrote to this company XX/XX/XXXX, and I received a response back XX/XX/XXXX. However they are requesting more information when other companies search in their system with less. I provided my name and address which should of been more than enough information to search any information of me in their system. Im not comfortable giving any more information out because I dont remember the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specified Credit Association, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from Specified Credit Association , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, Phone XXXX XXXX XXXX Referencing a balanced owed of : {$140.00} Ref : XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I never signed up for a membership at XXXX XXXX. 

I went to XXXX XXXX and found out that the XXXX XXXX Staff allowed someone else to sign up for a membership in my name as a gift and sign my name for me. 

The contract on their computer shows someone else 's name for the back account information for payment and my first name signed with a finger signature pad - NOT MY SIGNATURE. 

I never signed a contract, I never signed up, I never stepped foot in the gym prior to trying to resolve this problem. 

The problem began when XXXX XXXX Committed Fraud by allowing their employee to willfully allow someone else to sign my name on the contract. As a result, their bullying collection agency calls and says " How can you work out without a contract '' ... These guys are on an autopilot scan. 

Someone else to signed my name to begin an illegal contract. 

If the person that signed me up was told " the new member needs to come in and sign '' and I went in and signed they would have a valid contract. 

When employee could have signed my name for all I know. 

Specified Credit Continues to call me like it is the first time they are trying to collect on this debt. 

I ask them to quite harassing me and they hang up me. 

Specified Credit Associations Inc. has called me : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, I explained, again, I do not have a gym membership. 

How can I have a membership without a signed contract? 

I asked them to quite harassing me and they told me to " What my mouth '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account has a ) balance, howver it's being reported as a " charge-off '', that's incorrect. It was paid via credit consolidation, as " paid for less than owed/settled '' The payment status should be corrected to that.

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 2019-02-01 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: AES/PHEAA
State: CA

Complaint narrative:
i have 2 student loans for my 2 XXXX XXXX i had in my reports that i do not have to start payments until XX/XX/2016. 
In XX/XX/2016 i started receiving calls from XXXX XXXX and Eduction Department saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: CA

Complaint narrative:
I started receiving phone calls from GB Collects stating I owed a debt from XXXX XXXX in an amount of XXXX which was not true after that phone call I received a letter to answer to the debt and I did so I sent them a certified letter asking them to send me a contract with all complete documents and my signature On XX/XX/2018 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts. Your failure to positively verify the accounts has hurt my ability to obtain credit. the company sent me document of my name on somebody else bank account I really don, t think that is okay and action need to be taken on GB Collects

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect 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 2019-02-01 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: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect 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 2019-02-01 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: CA

Complaint narrative:
i have 2 student loans for my 2 XXXX  Degrees i had in my reports that i do not have to start payments until XX/XX/2016.

In XX/XX/2016 i started receiving calls from XXXX XXXX and XXXX XXXX saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX  XXXX   would not remove these late payments and they continue hurting my credit

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 2019-02-01 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: CA

Complaint narrative:
i have 2 student loans for my 2 Master Degrees i had in my reports that i do not have to start payments until XX/XX/2016. 
In 2016 in XXXX i started receiving calls from XXXX XXXX and XXXX XXXX  saying that i was late with payments, At the time i lost my job and was unemployed without unemployment benefits. According to the calls, i was 90 days late. I filed for forbearance and later for IBP -income based payments. My account was reported to be late by 60 and 120 days 8 times. even if i was late, it was ONCE and even that is debatable because i never received paper or email statements. My credit score is terribly damaged and XXXX XXXX would not remove these late payments and they continue hurting my credit

Company response to consumer: Closed with explanation