vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: CA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, 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 2020-07-02 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: SC

Complaint narrative:
On XX/XX/ 2020 I've sent a letter to Experian requesting a description of the procedure used to determine the accuracy and completeness of the information ( Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ) ) because multiple accounts on my credit file showing incorrect information. 
Experian has not honored my request and instead replied with a statement that my claim will not be investigated. 
It is a clear FCRA violation.

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 2020-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
In XXXX, XXXX I financed a XXXX XXXX XXXX with Exeter Finance. I purchased gap insurance through XXXX and maintained full coverage auto insurance on the vehicle. In XXXX of XXXX the vehicle was totaled in an automobile accident. My auto insurance through XXXX paid their amount fairly quickly and left a balance on the loan. The gap insurance through XXXX took over a month to pay and only paid a portion of the remainder balance. The balance remaining is mostly fees and interest. Exeter refuses to work with me on fixing the negative damage this has done to my credit. They immediately changed off the debt which did considerate damage to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since 2016. The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop

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 2020-07-02 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: FL

Complaint narrative:
The following are accounts on my credit report that do not belong to me : XXXX XXXX Opened XX/XX/XXXX Balance {$75000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} I am demanding proof of signature. By law I have a right to a copy of the documents you have on file verifying the accuracy of these accounts. If you can not produce them bearing my signature you must remove them immediately from my credit report. I will file a lawsuit for defamation of character.

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 2020-07-02 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: FL

Complaint narrative:
The following are accounts on my credit report that do not belong to me : XXXX XXXX Opened XX/XX/XXXX Balance {$75000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX Opened XX/XX/XXXX Balance XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} I am demanding proof of signature. By law I have a right to a copy of the documents you have on file verifying the accuracy of these accounts. If you can not produce them bearing my signature you must remove them immediately from my credit report. I will file a lawsuit for defamation of character.

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 2020-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I tried calling at the number provided from the voicemail and provided on the letter from the collectors, but I am still awaiting to get my call returned. I left a message yesterday, which someone helped me by saying theyd leave my information for someone that will be able to help me. Based off from what I owe, XXXX XXXX XXXX XXXX, did not charge my insurance, and I am expected to pay full amount, which I have evidence that during the time XX/XX/2020, I was in fact insured and I should not be charged full amount. I have checked other bills, and after my insurance is billed, I only pay {$10.00}. I sent out my insurance card ID to billing as proof as well, but I would like from CBB to stop charging me and adding interest for something I dont fully owe.

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 2020-07-02 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: CA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX  XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, 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 2020-07-02 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: CA

Complaint narrative:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX   XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
This new complaint is a direct result of PHH/OCWENs response to my previous complaint about them mishandling everything with my account. In the companys response to my previous complaint they stated that they have sent me several documents concerning my account. I responded that I have not received any correspondence whatsoever, not by phone or mail or any other conceivable method. This complaint is specifically addressing the documents they claim to have sent. These documents, some addressed to me and some addressed to my late husband who has been dead for a year and a half, WERE ALL SENT TO AN ADDRESS NEITHER ONE OF US HAS LIVED AT FOR OVER SIX YEARS! SIX YEARS!!!! Where did they even get that address and why after having the loan for my current house for three years would they send it to such an old address?? How does this even happen??? Now they will no doubt charge me even more for their gross, disgusting incompetence. This just has to stop! The incompetence of PHH/OCWEN has made my life an absolute XXXX for over a year. 
I dont believe anyone can be this completely idiotic. It took effort to find an address that is over six years old. I suspect that documents were intentionally sent to the wrong address so they can deny the current modification offer, add more unjustified fees, and continue foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Yesterday, I was told that there was a problem with my account and that the only way to fix this was to set up a different payment method. I was told that I would have to call monthly and that they would credit my account based on my assertion that a payment had been made. None of this makes sense to me. I get email notices and letters of my late payments, late payment charges and they can not track my payment even though it has the account number and name associated with the card. I have tried to resolve this issue since about XXXX of last year to no avail. 

I have received several letters from their Special Response Team but the problem has not been fixed. I have attached partial bills that show the late payment fees, reversals, and responses from the credit card company ( Capital One ) I am not sure how this is affecting my credit report but I am spending a lot of time every month trying to resolve this matter. This is extremely frustrating. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: PA

Complaint narrative:
Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX Opened Date XX/XX/XXXX Balance {$770.00} XXXX XXXX XXXX   Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX 2020, My XXXX XXXX Account Was Hacked, My XXXX XXXX Account Is Link To My Debit Card Which Someone Hacked My Account And Made 3 Transactions Of XXXX XXXX In XXXX XXXX. Ive Made A Claim With Capital One Reguarding This, They Sent Me A Letter Stating 3 out Of 4 Of The Transactions I Am Responcible ForAnd They Will Be Taking A Total Of {$980.00} Out Of My Account And Also Closes All Of My Accounts With Them..What Ever Investigation They Have Done Was Not Correct, I Have Never Made A XXXX XXXX Transaction To XXXX XXXX In The Past Or Future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/2020 {$700.00} deposited into my account. I already had money on there previously so my total balance was {$910.00}! My account is now frozen on cashapp I cant use it its disabled now where I cant even cash out my fund. My rent is now due its very inconvenient to my child and I right now I need my funds. Its very unfair to ha e my account blocked!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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:
Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since XXXX The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop

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 2020-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently got scammed for trying to adopt a dog. I had sent a money transfer through my bank ( Chase ) using XXXX. Having used XXXX before I knew it was reliable. The scammer had shared all his information so I felt comfortable doing the transaction. When I knew I got scammed, I called Chase right away and told them what had happened. The only thing Chase can tell me was that " they can not help me '' and to contact XXXX instead. I contacted XXXX and they just told me to send money to people I personally know. I wanted to complain because it is unacceptable how XXXX is able to be off the hook without helping for a second and Chase not having to hold XXXX accountable even though XXXX can be used directly from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02 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: TX

Complaint narrative:
First off, if Experian pegs this complaint a duplicate, I will take this a step forward. I disputed my XXXX account 8 times for incorrect info ( terms ). All 8 times I sent the original signed contract only for the error not to be corrected. Filed CFPB complaint and per their response, they said they had reason not to believe it was me ( don't know how being I sent a picture of myself holding the letter that would eventually be sent ) and told me to resubmit the info. This time I submitted it with a notarized letter AND the original contract. This needs to get fixed immediately or more extreme measures will be taken ( legal ) and I will seek every fine due to me. Experian, delete this XXXX Account immediately. You want the contract AGAIN, please view the other complaint where I sent it.

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 2020-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have got a refinance on my house, by U.S.Bank, escrow closed on XX/XX/2020 the issue I have is with loan agent, Mr.XXXX XXXX, Mortgage loan Originator, NMLS # XXXX. 
Mr. XXXX XXXX promised me with his hand writing on back of his business card, that my final closing cost will be {$1700.00} and kept insisting that I should sign the documents and then they will show me the break down on the cost. 
After escrow was closed, I was charged {$440.00} more than I was promised, many phone calls and leaving messages without getting any respond, I've decided to make a complain with the Bureau. 
XXXX XXXX phone # ( XXXX ) XXXX Home Mortgage Division, 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 monetary relief