vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX WORKS FOR XXXX WHO BOUGHT THE ACCOUNT FROM XXXX  XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, TRANS UNION AND XXXX. XXXX XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL 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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX WORKS FOR XXXX  WHO BOUGHT THE ACCOUNT FROM XXXX XXXX. THEY ARE KNOWINGLY AND FALSELY REPORTING INCORRECT ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS XXXX, XXXX XXXX AND EQUIFAX. XXXX  XXXX REPORTED THE ACCOUNT WAS OPENED ON XXXX, XXXX XXXX  XXXX IS REPORTING THE ACCOUNT WAS CLOSED ON XX/XX/XXXX. XXXX REPORTED THE ACCOUNT OPENED ON XXXX XXXX XXXX. THIS IS A COMPLETE LIE AND TOTAL FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2020 at approx. XXXX I transferred {$210.00} to a paypal account to purchase concert tickets. I never received the ticket transfer. I contacted XXXX  when they opened on XX/XX/2020 at XXXX and verified the order number given to me was fraudulent. I immediately contacted paypal to let them know and wanted to file an escalated dispute to cancel the transaction and stop the payment. I was told they could not help me. I have email documentation where the tickets for sale were misrepresented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May concern : I am writing in regards to a Wells Fargo account # XXXX. There are several things reporting inaccurately, untimely, or unverifiable on this account. The Federal Credit Reporting Act ( FCRA ) permits the removal of such accounts from the credit file. The reasons I dispute this account are as follows : 1 ) Balance  incorrect. Should be {$400.00}. 
2 ) Delinquency date is incorrect. The correct date was the one listed prior to the XX/XX/XXXX date. 
3 ) Statement number 2 then makes this account too old to be reporting and should be immediately deleted. 
4 ) Well Fargo states I made a payment in XXXX and the date of delinquency is XX/XX/XXXX. 
Both statements are incorrect. 
5 ) When requested, Wells Fargo does not, nor has is to this day, furnished validation or proof to the information reported on my report, I.e. the items listed in 4 above. Account should have been removed here as FCRA calls for the removal of unverifiable information. Wells Fargo failed to respond. FCRA states that this debt is no longer valid. 
6. When requested, Wells Fargo failed to provide the original contract with Wells Fargo containing my wet ink signature. 

As you can see, there are several violations of the FCRA and FDCPA. Please cease reporting this account for any of the above listed reasons. There are multiple violations here and if you continue reporting this false information you may face further consequences as allowed by law which I will proceed with should Wells Fargo fail to remove this account from all of my reports and cancel the debt as verification/validation was not furnished upon request. 
Sincerely, 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 explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  and Bayview Loan is attempting to foreclose on my property with fraudulently robo signed assignments. I have mailed a 2 QWR and a debt validation neither have been responded to. The assignment are fraudulent. Bayview neither XXXX XXXX XXXX have tried to resolve my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
We continue to send documents over to the lender and they keep for some reason not receiving them. I have emailed and now have recently started using their loan solution portal as well but they have yet to receive them. 

How can can you not receive documents when your own portal is being used. 

Even our third party authorization that was sent was someone how lost. We have proof that we sent it to them but they continue to say that they don't have it. 

Please help me save my home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: IL

Complaint narrative:
TO WHOM IT MAY CONCERN I BEEN REACHING OUT TO THE COMPANY ABOUT THE WRONG INFORMATION ON MY CREDIT REPORT THEY NEVER SENT ANY MAIL WITH PROOF/ VERIFICATION THIS IS MY ACCOUNT. ALSO WHEN I CALL XXXX XXXX XXXX XXXX THEY TOLD ME TO CONTACT THE CREDIT BUREAU. THIS ACCOUNT IS NOT MIND AND CAN YOU PLEASE SHOW ME PROOF THIS IS ME. I WOULD LIKE TO SAY HOW I CAN I BE XXXX XXXX IN XXXX AND PURCHASE A CAR AT THE SAME TIME? I AM TRYING TO STRAIGHT MY LIFE UP AND THIS IS NOT RIGHT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 180 ) days late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: E Mortgage Capital, Inc.
State: CA

Complaint narrative:
1. The mortgage broker E Mortgage XXXX XXXX, CA improperly completed their paperwork and failed to seek a subordination for another lender.

2. After all signatures were done they still had not completed their paperwork.

3. Once the loan was closed and I received the main cash out pmt. I received a letter from the previous loan company that the payoff was short paid not by much but {$160.00}.

It took about 5-6 phone calls to even talk to the broker XXXX XXXX.

4. It was rectified after two weeks of calls.

5. Then I got contacted, post loan from a Notary who had no Idea what he wanted me to sign. I tried to contact XXXX XXXX no answer and voice mail full. A day or two latter he contacted me and explained the above that they had failed to get the subordination. I then waited another week before the Notary contacted me and the papers got signed.

6. The broker had told me they would reimburse me {$520.00} I was charged for I think the appraisal.

7. After I was told several times the check was being sent out and was not I finally called XXXX XXXX company and asked for his boss XXXX, He was able to get XXXX to call me. XXXX does not seem to answer his phone and his voice mail is always full.

XXXX  agreed to get a cashiers, take a picture of it and text that to me. ( He did that ) now we will see if the check comes.

Personalty I will never deal with XXXX  or E Mortgage again and will never encourage any one to deal with ether of them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older Tall XXXX   Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a capital one credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the capital one papers I suspect that this case could be fraud/incorrect or some kind of collections scheme. 

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or molest one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX   XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife. 

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Every time I am contacted by credit acceptance or call them. They use abusive debt collection practices. Demanding I make a payment immediately and then continue to ask why I am late. After, I have called and explained why several times. They refused to accept my card information until I tell them why I am late every time. I have asked them to stop using these tactics and they continue to refuse. This violated the fair debt collection practices laws. I have offered to pay them. Asked the rep. to please stop asking me every time she will not. Then refused to take my payment information. Making it a violation again.

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 2020-01-29 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: GA

Complaint narrative:
XXXX  and Experian are reporting incorrectly that I am ( 120 180 ) days  late on XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I submitted a complete loss mitigation package to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper sent us a denial to our loss mitigation request stating that they did not receive the request prior to 37 days of the scheduled sale date. They did receive the request 38 days prior to the sale date and I have an email confirmation stating that. On XX/XX/XXXX I submitted a complaint through the CFPB portal regarding this. On XX/XX/XXXX, I received a response to my complaint where Mr. Cooper acknowledged that they did in fact receive my application for loss mitigation outside the 37 days, however they are now claiming they did not receive a complete package. 

I responded to their answer on XX/XX/XXXX asking what was missing from the application package as I had sent everything that was requested on their website. I also informed them that on XX/XX/XXXX, in my online account when I clicked on " Online Application '' I received a pop up stating " We have enough information to expedite your application to underwriting, would you like to submit? '' On XX/XX/XXXX I received a response to my XX/XX/XXXX letter and Mr. Cooper failed to respond to anything in my letter. I am asking that they address this complaint and review my account for loss mitigation options as they should have done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
see : COMPLAINT ID XXXX You closed inquiry because they sent a bunch of useless paperwork that does not support any charge on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE - There is no late remarks but tagged as late. 
XXXX - XXXX  XXXX XX/XX/2019 XXXX XXXX - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-29 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: GA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Flagstar Bank, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX - There is no late remarks but tagged as late. 
XXXX  - XXXX  XXXX XX/XX/2019 FLAGSTAR BK - There is no late remarks but tagged as late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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