vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 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: NV

Complaint narrative:
There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.

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 2019-12-10 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: NV

Complaint narrative:
There are several accounts listed on my credit report that aren't mine. Please have them removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
XXXX XXXX has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XX/XX/XXXX. I have had two real estate purchases and one car purchase since XX/XX/XXXXand this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active XXXX account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to Midland Credit Management on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from XXXX XXXX to validate this debt. The debt is over 7 years old and I have  zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XX/XX/XXXX. All my accounts showed up to date and current. XXXX XXXX  has refused to validate this debt! 
So now what? Am I going to get harassed from MCM? This also needs to be removed from MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have been trying to resolve our past payments that were missed with our lender PHH mortgage. We tried to set up a payment plan over the phone with the lender PHH, had a verbal agreement of {$5000.00} dollars a month in XXXX, never received any formal information in the mail as promised and had our {$5000.00} check refused ( see attachment ). In XXXX, we sent {$10000.00} to the lender, but they said it was not received. In XXXX our mortgage statement was {$22000.00}. We sent a check over the amount for {$23000.00} that was refused due to insufficient amount to cure default. The funds we provided before the XXXX of the month, but yet not only refused and still late fees were applied ( see attached ). Upon calling our lender, multiple times, being told that we will hear from the foreclosure lawyer, not given a number to contact, calling again to get a number, given a number, emailed the assigned lawyer but still no contact or ability to clear this up. We currently have a monthly statement for XXXX for {$26000.00}. We have the funds to pay this amount and am currently working with someone at XXXX to help clarify with the lender of what is actually needed. We will be contacting the lender again tomorrow together XX/XX/2019 to get a clear answer on what is actually due..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX ( this Collection agency ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX ESQ. BAR # XXXX On XX/XX/XXXX They levied {$1300.00} from our bank account, our only income to pay our modification mortgage monthly payment. 
On XX/XX/XXXX I called and spoke to Miss XXXX XXXX, Left a message for Mr XXXX XXXX ext XXXX. Spoke to Mr XXXX XXXX, and Manager XXXX XXXX ext XXXX who promised to contact the American express company to release the funds. He told me he would call me back no later than Monday but he did not. So I call a few times and spoke to XXXX and then XXXX XXXX who was verbally abusive. It turn out they both were just lying to me. For they were doing nothing the release the funds back to my account. 

My husband ( XXXX years old ) with increased health problems ( XXXX XXXX and XXXX ) does XXXX  so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX and XXXX ) has not able to work for the past few years. 
XXXX/ XXXX, when the real estate market crashed both my husband and I had lost our jobs. 
We used our reserves to keep up with the increasing mortgage payments and credit card payments. 
But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XXXX, our income had improved and we were able to get an affordable modification with a differed amount of {$200000.00}. 
Since then, we are able to make our mortgage payments but not able to pay any other debts. 
Please, kindly help us retrieve our money back from this collection agency for this levy has jeopardizing our mortgage monthly payment. Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/2019 they charged me on my statement for {$4100.00}, I disputed due to a fraudulent charge they sent me a letter dated XX/XX/XXXX. I did not receive it till XXXX XXXX and I faxed HSBC the Additional information form and have proof it was received. A letter dated XX/XX/2019 arrived today saying they did not get form. I have the fax saying it was successfully sent. There were no calls or anything just this letter I did receive today. I am writing to get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: MO

Complaint narrative:
My Credit Score should be XXXX  at XXXX Exquifax and XXXX. I feel I am by Discriminated against because I am XXXX American.  I feel all three credit Reporting agencies are giving me  low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2019 A payment was processed but it did not go through, I tried to resolve with company but it did not pan out. The payment was reported as missed, but the payment was processed it just did not get to the credit card company and I was not aware.

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 2019-12-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a hard inquiry on my account that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I sent a certified letter on XXXX XXXX asking " WF PLL '' to provide ve rification about an inquiry showing up on my XXXX Credit report dated as XXXX / XXXX / XXXX. The company doesn't list a phone number on the report, but instead lists " By Mail Only '' so I assumed the address they are using is up to date and accurate as it is being reported on my credit report. Instead, I got an " Alert '' message from the XXXX tracking system sta ting " Your time was returned to the sender on XXXX XXXX XXXX at XXXX XXXX in XXXX, NM XXXX because the addressee was not known at the delivery address noted on the package. '' If the information being reported is inaccurate it is illegal for it to be reported. Please see that this company complies with the FCRA and either updates it's information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had about 3 of my accounts closed by other lenders because of the Wells Fargo accounts reporting incorrectly.

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 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: TN

Complaint narrative:
In XX/XX/2019 it was brought to my attention that Asurint was reporting inaccurate information and I am requesting that this issue be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX ; I relieved in my Post Office Box a post card from Credit Protection Association , LP alleging that a debt was owed in violation of the Fair Debt Collection Practices Act.

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 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
I was never served by this company XXXX XXXX XXXX XXXX XXXX what so ever and how i found out was through my employer because my check was garnished for over a XXXX dollars, i never received a letter never received a phone call At all and this was 3 yrs ago.  Now i want to counter sue them for violating my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: ERC
State: IL

Complaint narrative:
Enhanced Recovery is reporting a negative unverified account on my credit report. Enhanced Recovery failed to respond to my debt validation letter sent on XX/XX/2019. ( please see attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Open an account on XX/XX/XXXX after seeing advertisement of {$350.00} bonus when opening an checking account an depositing {$10000.00} within 30 days and keeping it in a linked account for 3 months. By XX/XX/XXXX, I have deposited {$10000.00} into the account. I transferred {$10000.00} into my linked savings as allowed by the terms of the offer. It has been nearly half a year and I have not received the promised {$350.00} offer. I have made 3 attempts to resolve this with HSBC, calling in mid XXXX, late XXXX, and XX/XX/XXXX. On the first call, the representative said their system for checking past offers was down and asked me to call back another day. I then called on the week of the XXXX and was told by the representative that they filled a case and I would be contacted by mail within 7 business days. He was unable to provide me with any confirmation number that the case was filed. After calling on XXXX, I discovered representative # 2 did not actually file a case and they would do so today. He then said I would have to wait 5 business days for a response. After trying to resolve this with HSBC for nearly a month and discovering I would have to wait another week, I decided I needed to find another way to resolve this situation ; thus I am filing a complaint with the Consumer Finance Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a letter from a debt collector saying i had a debt of utility bills of XXXX XXXX  and pay off the bill about a month later. I was staying in XXXX  on XXXX and a funded XXXX  XXXX  but on XX/XX/XXXX my funding was discontinued and i had to leave XXXX  and stayed with my relatives in XXXX  XXXX. Interestingly, now i am again a funded XXXX  XXXX  in XXXX  and on XX/XX/XXXX i received a letter about the debt and after accumulating the money, i paid of the debt on XX/XX/XXXX. 

However, the debt collector report this to XXXX  but not to XXXX  or XXXX  and because of the report i am denied to receive any other credit card. I had an experience of financial hardship which delays the payment but i paid this off eventually. 

Since, i was not informed before and paid of the debt soon after receiving the letter about debt, i would request to take this collection account off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation