vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-12 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 — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
On XX/XX/2019, I wrote a letter to Nissan Motor Acceptance and asked for them to verify a debt that they are reporting on my credit reports. This is my right under the FCRA. Nissan did respond to my initial letter on XX/XX/2019, and they said " upon further review we unable to locate an account for you using the information you provided. '' Nissan requested that I send in additional information, such as a social security number, so they could properly investigate the problem. Nissan did assure me that they are reporting correctly, however my rights say something completely different. The law says that I need proof within 30 days of them receiving my request, not an assurance. I did honor Nissan 's request, and sent in an additional letter with my social security number on XX/XX/2019. The 2nd letter was received by XXXX XXXX of XXXX on XX/XX/2019 at XXXX XXXX via USPS certified mail. Today is XX/XX/2019, and I have yet to receive any sort of response from XXXX. We are well past the 30 day response limit, which is mandated by federal law. Nissan Motor Acceptance is currently in violation of Federal Law, and needs to remove this derogatory information from my credit report immediately. As a consumer, I do have the right to verification of debt within 30 days of receipt, and Nissan Motor Acceptance did not provide me with that. They did not even respond to me, so it is safe to assume that Nissan does not have the proper validation or they just would have sent it to me, since it is federal law to send verification upon request. I have attached all proof of my above statements. Please remove this immediately. It is unfair to the consumer to have this derogatory information, and Nissan can't even provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2019-11-12 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small Wells Fargo HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and Wells Fargo still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, Wells Fargo 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.

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 2019-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a call from my Human resource officer, that I need to call XXXX XXXX XXXX XXXX XXXX, regarding a summons. I called them and they said that I owed a debt from, XXXX, their words, not mine. I then asked for proof of the owed debt, the gentleman named XXXX, then told me that I would be served at my work. I then asked him to serve me at my home address and he refused, and threatened me saying that I would be served at work. He then told me all of my personal information like my SSN, DOB, and wife 's name. Almost like he was trying to claim he had too much information on me, so that I would comply. He then threatened to call my wife 's work and serve her with a summons.

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 2019-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
This company is claiming myself and my husband owe money to 5 llc 's in nevada for a total of {$2900.00}. This is the collection company info- Mcarthy Burgess and Wolf-XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX Phone XXXX Fax XXXX I looked up each LLC -- below -and each company has been out of business since XX/XX/XXXX. 

Invoice ( s ) : XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | XXXX, XXXX ( NV ) | Balance Due : {$2900.00} MBW No : XXXX I have asked for the original dates that the debts were incurred and the contact information for each company -- they outright lied and tried to tell me XX/XX/XXXX.. which is impossible, as these companies ' have not existed since XX/XX/XXXX. I have disputed these debts and requested documentation -- which as you can see would be impossible for them to have or get considering - the companies have not existed for 11 years.- YOU HVAE PERMISSION TO TALK TO MY COUSIN - XXXX  XXXX REGARIDING THIS ISSUE. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I was affected by the XXXX  XXXX XXXX  in XX/XX/XXXX. I applied for and was approved for a forbearance plan under Ocwen in XX/XX/XXXX. My loan was transferred to PHH who was scheduled to service the loan on XX/XX/XXXX. On said date, I contacted PHH to make a payment and was told my loan didn't transfer over. After several calls through out XXXX, finally in XX/XX/XXXX, my loan was transferred and I was told I now owed for XXXX and XXXX, although I was originally told no payments were due for XXXX. I made two payments in XXXX to bring my loan current and was placed on a trial modification for 6 months, which I adhered to each and every month by calling and speaking with an agent to make payments. I was told in XX/XX/XXXX that closer to the end of trial modification, I would receive paperwork tht would provide options available to me to cure the three months that I was on the forbearance plan. I inquired about said paperwork in XXXX and XXXX and was informed that because the company is very far behind, that I would have to continue making payments as I have been doing so and they will get around to my file and send out said paperwork. On XX/XX/XXXX I received a Notice of intent foreclose, dated on XXXX XXXX, XXXX, and postmarked on XX/XX/XXXX. I immediately contacted PHH upon receipt of said notice and after hours and hours and several different supervisors and employees, I spoke with a supervisor of the escalations department and was was informed that I did not need to worry about the foreclosure paperwork as I had been paying as I should have under the trial modification, and that PHH would submit a request to have my account reviewed as they are very behind on mailing out the paperwork. On XX/XX/XXXX, I tried to make a payment as I had been doing so for the past 5 months and was told that they would not accept a payment as I had to bring the entire account current in order to accept a payment. I requested a supervisor and was told one would call me back, as of today, I am still waiting for a call back even after calling three more times since XX/XX/XXXX. Most recently, I called and requested to speak with someone for answers on XX/XX/XXXX and have yet to receive a resolution. I was informed that now that there is no modification on my account, although I received statements with modification trial payment listed. Again, I was placed on a trial modification plan, yet at the end of the trial plan, was given no alternative option to cure the outstanding balance other than pay an amount that is twice the amount of what it should be. I need help in getting this severe error with my account resolved as this is affecting me in every way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: SC

Complaint narrative:
XXXX XXXX continues to inaccurately report my HELOC account XXXX. My unit was sold, and the only amount owed was the small XXXX XXXX HELOC, which closed out XX/XX/XXXX. Today is XX/XX/2018, and XXXX XXXX still shows an account open in my name and social security number, with a balance of {$17000.00}. Please note, XXXX XXXX 's egregious errors with this account have led to damage of my credit, delayed sale of my property and undue burden and Hardship for me, a XXXX individual. 

Closing statement with attorney proof attached.

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I obtained an FHA loan in XXXX. My LTV reached 78 % in XXXX of XXXX. According to the homeowners protection act, my PMI was supposed to be automatically removed. My current LTV is 70.6 %. I have paid PMI for 47 months after it was supposed to be automatically removed, and as such I am owed thousands of dollars by my Mortgage Company Penny Mac USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: LA

Complaint narrative:
date opened : XX/XX/2019 amount : {$1300.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I advised the creditor that I requested a review of my credit history with Home Depot, which has been perfect for 3 years with no late payments and as the agent reviewed my account to see if they would increase my credit she neglected to advise me that a new credit inquiry would be processed. I was never asked my permission to run my credit. I assumed as a result that my payment history alone was what was being considered. If I had known then I would have cancelled the request for consideration of an increase of credit. I contacted the credit department after realizing there was a hit against my credit file and they refused to handle this issue accordingly and did not take responsibility for their actions.

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 2019-11-13 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: TX

Complaint narrative:
They added another name to my Trans union account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx

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 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I called the number that was provided to me to make payment arrangements to pay my debt for my last apartment.. 
I started receiving calls on XX/XX/XXXX about the debt and the money I owe.. I missed a call at XXXX from the rent collect company.. they later called me at work and demand that I pay the full {$4100.00} by the end of the month or they were going to ruin my credit. I wanted to work out a payment arrangement with them and they said they are not an arrangement company. I owed that money the day I moved out. I told them I could not talk I was at work and I could lose my job for dealing with it right then. Someone from the company called me again at work I want to say the next day in the morning.. I called them back on XX/XX/XXXX at XXXX am after they had called me at XXXX ... I spoke with XXXX and offered to pay XXXX a month ... she said that they were ready to move forward with collections and they have already verified everything.. After a very long not getting anywhere conversation I agreed to them taking XXXX a week but later realized I would not be able to pay any of my bills or my current place where I live I called them back in hopes that I could pay XXXX a week.. I talked to the supervisor and told her I feel the conversation I had with them yesterday was a little abusive and she went off on me and told me to get a lawyer and get the tapes. She said Im going to mark this account as refusal to pay..and ruin my life. I told her I wasnt refusing to pay.. I just need an arrangement that I can pay and still survive.. She told me good luck and hung up

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: SD

Complaint narrative:
My card was compromised, there are 7 total charges that I had. 2 of which have been credited by not the others, they tell me that yes those will be credited by the time I get my new card. I have got my new card and the remaining credits are still not there and they may not get credited for 45-90 days. This is a XXXX  XXXX  card!!! These charges are from CA I live in South Dakota! I wait on hold for hours to hear " oh it will take 45-90 days '' I was told first that it would be reversed by the time my new card gets to me in 3-5 business days. I now call and still hours on hold to be told that IF the Fraud departments shows that these are not correct charges that I will receive my missing {$250.00} back to my card AGAIN I LIVE IN SOUTH DAKOTA NOT CALIFORNIA!!!! Asked how my card was compromised and a bunch of charges were charged and NO ONE CAUGHT IT!!! Again on hold still 1 hour and 8 mins!!! This is my childrens  money!!! Maybe I need to file a lawsuit agains this " go program card '' you are dealing with XXXX  XXXX  and government money going to people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I never signed any contract or agreement to pay this creditor, nor is this a debt owed. This debt was paid and still placed on my credit profile. Then it was removed and replaced back on by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After reviewing my credit report ongoing .. There's a collection Agency.. WF/XXXX.. A Balance of {$1300.00} ... Opening date XXXX XXXX. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing as if the collection is new.. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudualant..

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 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

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