vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-24 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: DC

Complaint narrative:
I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX  , apparently it was reported to transunion ) and name. 
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

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 2018-05-24 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: LHR Inc.
State: SC

Complaint narrative:
I had an XXXX credit card acct # XXXX with a balance of {$410.00} was sold to L.H.R on XX/XX/2012.I had attempted L.H.R on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXXXX XXXXXXXX XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I had an XXXX credit card acct # XXXX with a balance of {XXXX} was sold to XXXX on XX/XX/2012.I had attempted XXXX on several occasions. No response. I have written them .letters returned to the sender.phone numbers didn't work.IXX/XX/XXXX had complaints on them. I have disputed this item 's with the three major credit reporting agencies. THEY'RE investigation was not to my satisfaction. No successful outcome. I would like to have it deleted.Im rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2017 This is was in inquiry placed on my credit and i do not recall giving authorization on providing consent for this company to check my credit. it shows as a hard inquiry on my credit and i would like to get it 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 2018-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took out a home loan in 2004 with XXXX XXXX DBA XXXX. CALIBER HOME LOANS now claims to be servicing my loan. I have sent this is a Qualified Written Request ( QWR ) to TRUSTEE CORPS and CALIBER HOME LOANS to validate the following and they have still not replied : 1. ) Evidence of actual possession of the note by the alleged Trust. 

2. ) XXXX XXXX does not have authority to foreclose since we do not know who the owner of the Note truly is. 

3. ) CALIBER HOME LOANS is merely a servicer and does not possess the Note and has no enforcement rights, nor ability to foreclose. 

4. ) XXXX has sent us the attached document showing different amounts due and is claiming to be conducting this unlawfull foreclosure. 

5. ) In order for you to institute a valid foreclosure proceeding, you must be able to establish compliance with CCC 3-301, at commencement of the foreclosure proceeding, the recording of the notice of default was 2 years ago and wrong. 

6. ) The most basic requirements of CCC 3-301 ( a ) or CCC 3-301 ( b ) have not been met : 7. ) 3-301 ( a ), Holder of the instrument : The previous entity that filed the Notice of Default and subsequent actions was not the Holder of the Note the entire time. 

8. ) We now challenge transfer and possession, and under California law, there are two requirements for a person to qualify as a Holder : ( a ) ACTUAL POSSESSION : We need to know who is the company/person with actual physical possession of the instrument, and ( b ) TRANSFER BY ENDORSEMENT : the instrument is not payable to that person where the transferor must indorse the instrument to make it payable to the transferee ( See CComC 1201 ( 20 ) ; CComC 3205 ( a ) ;. 

9. ) We now demand inspection of the original note. 

10. ) We now demand proof that possession existed when the Notice of Default was  entered. 

11. ) We now question the endorsement and negotiability since it was not proper and timely. 

12. ) We do not know when the note was endorsed? 

13. ) Who was it endorsed to? 

14. ) Is there an agency relationship between the foreclosing agent and endorsee? 

15. ) Is there a purchase and sale agreement that gives Holder rights, and did it exist prior to the Notice of Default?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Security National Automotive Acceptance
State: AP

Complaint narrative:
Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
My received a loan set off and determined by the fair market value of a 2001 XXXX canry yellow XXXX in mint condition. They refused rto make payment arrangements with me and my car was repossed within only a 30 day period of not being able to pay due to an truck accident in which I lost my job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to make a payment arrangement over the phone and said I need to make an arrangement in person after losing my only means of transportation. They accelerated the loan and breached the peace by selling my car without proper notice and venue and I was given a potential fraudulent.bill of sale sold at an auction in which it was sold for XXXX .I 'm requesting proof of sale and Bill of sale and XXXX XXXX XXXX XXXX XXXX insurance company 's information to submit. A legitimate and valid claim. I have XXXX. Video of XXXX XXXX branches Gm giving me really potentially fraudulent, exaggerated bill of sale without proper notice to be first in line to cure account and be able but back my property and my means of transportation. The district manager refused to provide me the insurance companies contact number on recording. There is no statues of limitations on fraud. This is a strong unrefuted unrebutted claim in that regard claim amount is fairly calculated in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My Name is XXXX XXXX my husband and I both use this same CFPB account when needing to report something I hope that is ok, anyhow I looked at my credit wise tracker on Capitol One website this morning and I found a XXXX XXXX by capitol one card opened in my name I have never had a XXXX XXXX Card, I tried to see if my e-mail or info was registered on the XXXX XXXX website and it is not, I tried to ask customer service to locate and cancel this account and they refused as I can not verify info they request because I never opened a card with them, im not showing in the credit tracker any charges associated with the account so it appears that no one is using it, but I want the account closed, if this card is linked to any XXXX state address it may be fraud, a relative, opening the card in my name, I live in XXXX and have never had a XXXX   state address for any financial account, I moved at age XXXX before I had any credit, ive been in XXXX at the same address most of this last 15 years, I can provide any details you need to locate me I think they should be able to find account with my name and social and close this please, maybe capitol one just opned an account without consent from me, I have no idea I just know I never had a card withthis store they don't have my email on file and they refuse to help me resolve this issue I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Account is paid in full but still shows it was chargeoff on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
Acct is reporting inaccurate late payments and never late

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 2018-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America failed to properly answer to my complaint filed on XX/XX/XXXX, somehow you or them marked my new complaint dated XX/XX/XXXX as, ( duplicate of the complaint before this one ). But it is not a duplicate it is a new complaint based on their failure to properly address every issue of my complaint. 1- I asked for the information about the XXXX trust that they stated is the lender/creditor of this alleged mortgage loan. 2- They did not prove that they have, or had had any rights to collect payments from this alleged loan. 3- they did not provide a true payment history of all the monies that they collected from me. neither showed any electronic transfer of payments made to the alleged trust. 4- They only sent an audit history full of discrepancies and unapplied payments. They also had the audacity to send fabricated copies of the trust deed and promissory note with computer, robo signing. 5- They failed to disclose who is the pretender custodian of the documents of this alleged loan. 6- they failed to disclose the name and address of the pretended trustee. 7- They failed to disclose where the alleged balloon payment due at the alleged maturity date of such alleged loan came from. The truth is that this bankster never owned the alleged loan, this loan was satisfied/discharged. The truth also is that neither the originator XXXX XXXX XXXX nor the predator XXXX were the lenders of this alleged loan. This alleged loan was funded by the sell of my signature to the multiple investors of the trust XXXX  XXXX. This trust was closed on XX/XX/XXXX and dissolved on XX/XX/XXXX according to the records on the Security & Exchange Commission. This is not a duplicate, Thanks.

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 2018-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I do recognize a address on my report. I have been a victim of identity fraud

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 2018-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
It's been 3 weeks since Ocwen agreed to a " Repayment Plan '' on my mortgage. The excuses I am getting is ... '' We are still trying to review the repayment plan ... .it has been approve but we still need time ... '' The Repayment plan consist of a {$10000.00} dollar agreement with an 11 months of {$900.00} added to the mortgage payment of {$770.00} which totals the amount of {$1600.00}. I spoke to my relationship manager ( XXXX XXXX ) three ago and he said it will be approve ... .I called the OMBUDSMAN Ocwen Office 5 times and keep getting the run arounds .... 

I need CFPB to get some answers before I file a lawsuit against Ocwen for Mortgage Fraud. 

A month ago, Ocwen called my Attorney, stating they plan to foreclose on the home, Ocwen has been sending four of my payments back to me since XX/XX/2018 with the INTENT to Foreclose to make a {$100000.00} dollar profit. I have owned this home for the past 14 years with my family and raise my kids. I have a lot of fond memories. 

According to my Bankruptcy Attorney, he stated, Ocwen should deal directly with you, since your " stay '' has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX I logged in to make a purchase on my XXXX XXXX credit card. I had a XXXX balance. I have diligently paid my account on time every month. When logging in a find out they had reduced my credit limit with no notice and for no reason what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from XXXX XXXX XXXX and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a XXXX   XXXX account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX placed a collections account on my credit report for all three credit bureaus in the amount of {$330.00} account ending in XXXX. I immediately contacted XXXX XXXX XXXX to obtain additional information on this debt because I was not notified by them prior to it being added to my credit reports. They informed me that it was a debt they collected from capital one bank and that I needed to pay it. I informed the representative that I was going to dispute the debt because I have no knowledge of a capital one account from XX/XX/XXXX and it was incorrect. I also asked why I wasn't notified by them prior to action being taken by their company, so I could address it prior to it hurting my score. I am currently in the process of finalizing my mortgage loan and this inaccurate account detrimentally affected my ability to obtain credit. She stated that they were not obligated to notify me of the debt because the original creditor already did in the past. XXXX XXXX XXXX has not provided me with any written notice of my debt or written notice of my ability to dispute the debt since my phone call which is in violation of several debt reporting laws. According to the law they have 5 days to provide me with a written notice stating this information. I want this account removed immediately due to their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX  x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX

Company response to consumer: Closed with explanation