vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Transunion, XXXX XX/XX/2020, I sent a CERTIFIED letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

The following negative account is listed below : XXXX XXXX  # XXXX {$2200.00}

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Good morning : Upon conclusion of Mediation, it was agreed to have Servicer PHH ( sister you OCWEN ) begin a Loan Modification. After successful completion of 3 Trial payments on XXXX XXXX, PHH introduced a proposal for a Permanent Loan Modification on XX/XX/2020. Counsel for the lender AND Servicer prohibited my communication entirely to the Servicer-PHH. Total disadvantage. That which has resulted in delays of responses to my inquires regarding my mortgage and Loan Modification. The loan docs indicated expiration of XX/XX/XXXX ( Saturday ) to decide acceptance or declination. Less than the standard time allocated to accept of decline Modification. I requested an extension of time since 13 business days was not smoke time to understand the Loan Modification & explore all available options. An interest only Loan is very unfavorable especially in todays economy. Counterproductive to obtaining a Loan Modification. 
The extension was granted to XX/XX/XXXX. 
The Modification is adding new debt of $ XXXX in an interest bearing Balloon payment that is over and beyond the alleged total amount of arrears payments claiming owed. The alleged delinquency is supported by Servicer s recent PayOff Quote.. The Principal and Interest and Balloon payment exceeds total claimed debt., Effective XX/XX/XXXX, the CARES ACT includes Federally Related Loans in addition to Federally Backed Loans according to the Federal Reserves website. Federally Related loans which are different and much broader See Regulation X, 12CFR {$1000.00} ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NE

Complaint narrative:
I applied for a Fortiva credit card back in XXXX. I received a credit line of {$3000.00} and charged XXXX for a purchase. I then went in and set up auto pay. Every time they try to debit my account, they reverse it the same day, according to their website. Then I start getting phone calls from collections. The first time this happened I thought it was a fluke thing so I paid {$60.00} directly from my checking account. This is the same account I used for auto pay and I have over {$5000.00} in my savings. I did have money in my checking but if they were to tell me that is why it was reversed, I have my account set up to debit my savings. If you need proof of this I can provide it. 

This happened again when my XXXX payment were to come out. I get a text message they they are debiting my account per my auto pay instructions. Then at some point, on their site it says the same day, it gets reversed. When I called they said it wasn't the same day it was several days later. Regardless I don't know why this is happening. And I do not receive a text or email that the payment had failed either. 

I called them on XX/XX/20 at XXXX. It sent me straight to collections. When they answered they could not look at any details on my account until I paid my {$60.00} in full. I told them as a consumer I want to know what is going on with my account because this is starting to feel like a scam. They refused to give me any information. I asked for customer service. They said I was unable to reach customer service since my account was overdue. So they could provide me with zero information until they were to get a payment. I'm happy to pay my bill, my credit is good and I don't have any past due payments. But as a consumer, I demanded more information before I made a payment. She refused and would not give me a supervisor either. She said she had to submit a request for me to get to a supervisor. 

My complaint is that they are not able to provide me information with why this is happening but expect me to keep making payments. Will they start charging fees? I'm still having to pay interest on the amount. Will this be reported and will my credit go down? I don't know but I will certainly close my account when it is paid. This seems like fraudulent activity to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.

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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA

Complaint narrative:
Law Offices MBA has placed several debts with XXXX  and XXXX  with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00}, {$1400.00}, and {$2700.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands.

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 2020-09-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i sent a dispute more than 30 days ago to equifax and XXXX  and neither of them have responded back. the only one to do their job correctly was transunion. by the FCRA, these companies have 30 days to respond and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Three months ago I received communication from this company via the mail. At the time of getting this information I replied that this was not my account and that they need to validate and prove this debt was mine because I have disputed it with XXXX  XXXX as well when I received the letter stating it was sold. They sent me a copy of a bill and a letter from XXXX  XXXX that I have already disputed and said the account was validated and have since put this on my credit. I have had a fraud alert on my credit for 10 plus years and I have a police report stating that I have been a victim of fraud since 2007. The Police report number is XXXX and was filed with XXXX Police Department. The keep calling harassing me from different numbers all day I have asked them to only contact me by mail. I have literally blocked 45 different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: GA

Complaint narrative:
Louisiana Recovery Services has placed several debts with XXXX, XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1500.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

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 2020-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
XXXX I have already filed the above complaint but do not see a way to add to that so I'm responding in this manner. 
I received a statement for my mortgage due on XX/XX/20 and now it shows I owe for XX/XX/20-XX/XX/20 even though I've paid XXXX, XXXX and this morning XXXX balances. I was in covid relief for XXXX and as stated have paid the above months. 
I called this morning to speak to XXXX XXXX who was supposedly my new agent only to be told it's been reassigned to XXXX XXXX!! This is the 10th person I've been assigned too and I've very frustrated. 
XXXX kept bringing up my bankruptcy but I do not pay my mortgage through the court trustee but instead pay them directly and they should know this! Now he's saying any moves they make has to be approved by the court but that's simply not true. They put me in Covid without the courts approval so why do they need it to fix my account? 
I was told in XXXX that FHA had approved moving any money not paid during the 3 month relief to be moved to the back end of my loan, yet they seemed to be incapable of doing this. 
I've been working for 5 months to get this cleared up and to date it's still a mess. They acknowledge receipt of my complaint but act like they know nothing and have to start anew even though they've supposedly been working on this since XXXX!! 
I feel they are flipping me place to place and not really working to resolve my issue. I also changed Mortgage insurance companies and now I have a {$1100.00} check from the old company I've scared to death to pay to escrow because they can't get what's going on correct let alone guarantee the payment is applied correctly, to escrow.

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 2020-09-08 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: GA

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: GA

Complaint narrative:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-08 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: FL

Complaint narrative:
i sent a dispute more than 30 days ago to XXXX and experian and neither of them have responded back. the only one to do their job correctly was XXXX. by the FCRA, these companies have 30 days to respond and they 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
Consumer complaint received 2020-09-08 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: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
In XX/XX/2020, I turned in a leased vehicle to GM Financial as the lease was up. A final bill for the disposition fee was not sent to us for a few months, which we received in XX/XX/2020. I called GM to see if we were able to make payments on it instead of paying in full as that is what we have done with those fees previously. The agent said absolutely, no problem. It is now showing as a late payment on my credit report. I was NEVER told that it would be reported on my credit report as a late payment if I didn't pay in full, so why would the agent falsify that it was ok to make payments on it? In addition, GM has sent no correspondence to us that it would be reported on our credit if not payed in full either. I payed in full the remaining balance today as I can not afford another late payment on my credit from GM financial for the disposition fee. I have leased vehicles with them for 10 years now but if this is how situations are handled, I will likely not be a repeat customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am beyond flabbergasted by One Main Financial /Spring Leaf Financial. I had a debt with them that went to collections. Once  reported on my credit report I made arrangements to settle the debt for about XXXX. Once I did that I was told it would be updAted with the credit bureau within 30 days. Ive had 10 conversations with one main and now 40 days later they have only updated that I still owe a balance of {$860.00} which is a lie. What is the point of settling a debt when they dont uphold their end of the deal. I spoke with their litigation department and a supervisor many time and still nothing. I was provided a letter stating the balance was {$0.00} two weeks ago and still nothing reported. I had my lender submit a request to the bureau as I need this updated prior to closing on a home loan and still nothing. This is insane at this point. I was just told today it should update XX/XX/XXXX when they do reporting. That will make it 60 + days which is not what was told to me from the beginning. At this point XXXX dont know what to do and this company is giving me the runaround.

Company response to consumer: Closed with non-monetary relief