vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: MS

Complaint narrative:
I am writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under United Revenue Corp. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as United Revenue Corp had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XX/XX/XXXX to eliminate any financial penalties (late fees, credit worthiness) after suffering from an unfortunate and unforeseen life event leaving me with a $XXXX bill. I was assigned to XX/XX/XXXXTay who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehle’s bank couldn’t process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasn’t correct. I called XX/XX/XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially (reporting and fees) and she stated it would not. If she had responded to questions differently (accurately) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist (XX/XX/XXXX Tay) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with (&was told this would be the agreement I needed to honor for 12 months) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided  full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have had the mortgage loan with Ocwen for several years, and underwent a modification. We had no issues with Ocwen or application of payments and have had the payment automatically drafted from our checking account for a long time.Servicing was transferred to PHH Mortgage Services effectiveXX/XX/19. All of the payments until this time have been automatically debited from the same account for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.OnXX/XX/19 PHH sent a form letter stating the automatic payments have been cancelled and this letter listed a number of reasons. I called them today at XXXX XXXX ET and spoke with XXXX, operator XXXX, who informed me that persons in active bankruptcy or those with a discharged bankruptcy are not permitted to have payments automatically drafted via ACH. When I requested a copy of that policy in writing, he stated the letter is the written policy. He did not transfer me to an escalation specialist as he said he would, but simply told me this letter is the written proof I need. I did advise we would have this situation reviewed by our attorney. I also advised him that we just re-enrolled for automatic payments through their website again. He stated that the request needed to be reviewed and may not be approved.We have built up almost 100,000 in equity, and are concerned that they may be using this as an excuse to foreclose if they don't get our payments. Can you please investigate this and provide us with an update?Thank you very much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of  accounts (ATTACHMENT) that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!  This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX. Please respond accordingly. 

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One offers a free credit FICO score service.  Capital one refers to this product as XXXX.  I have not been able to get my FICO score with this product.  I have reported the issue to Capital One and their staff cannot resolve the issue.  Capital One has had over two weeks to fix the issue and it is still not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter from Portfolio recovery associates regarding a debt for {$770.00} owed to XXXX XXXX. I never owed XXXX XXXX {$770.00}. XXXX XXXX states they no longer have records for the debt so they cant tell me why I owe. 
Ive written Portfolio Recovery Associates on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to update my credit report after sending in documents of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: AL

Complaint narrative:
XX/XX/XXXX, XXXX purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX XXXX  reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered XXXX when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXX that I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep 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 2019-08-20 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:
Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

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 2019-08-20 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:
The credit bureaus are reporting erroneous information 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under ARS Account Resolution. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as ARS Account Resolution had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.

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 2019-08-20 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:
Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

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 2019-08-20 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: FL

Complaint narrative:
Respond  As a victim of identity theft  (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order to impersonate someone else) I have provided  relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed  the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed  to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: The J. G. Wentworth Company
State: VA

Complaint narrative:
I own 2 homes. Historically I lived in one and had the other set up as investment property and rented it out. I am being transferred by my employer to within 20 minutes of my other house and have had no tenants since XXXX, so I was refinancing it to change it from investment property to a primary resident. With then the plan to either rent out or sell the home I have been living in. 
I provided the lender JW Wentworth with all of this information. I provided all of my paperwork to prove eligibility within 2 days. Several days later we were ask again to send in all of the same documents that we had provided. 
Both my husband and I have credit scores over 800 and income of over 200k. With no negative marks on our credit. This should have been an easy close mortgage. 
We agreed on a XXXX refinance at 3.75 % with no appraisal required as the home is worth over 600k. This loan was to be 30 years fixed and no points. 
When the federal reserve lowered the interest rate, we requested to use the option in our original documents and also requested a reduction. After a lot of stalling, the reduced the rate to XXXX %, still with no fees, no points and no appraisals. 

The loan came back from underwriting that we were fully approved for credit wise and house wise, except that they wanted us in the house before we would close it. As we wanted some cash out to finish a few repairs and to move, this was not really possible. We were told by the loan officer originally that a letter from my explaining the situation, a letter from my employer and proof that the homes were over 200 miles apart would be all that was needed to show that it was going to be a primary residence. All of this was provided in the original packet. We appealed this and sent in proof that we had already change the address on several accounts, at our bank etc. 
The appeal came back that we needed to list it as a 2nd home and they could approve us. We were told that nothing would change in the terms. 
After another 4 days. we were called and told that we would now need a full appraisal and the terms would be changes since this was different. 
This has put us in an awful position as we clearly told them from the beginning that we need this loan closed before XX/XX/31. We will now be starting completely over with a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
The credit bureaus are reporting erroneous information 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
Consumer complaint received 2019-08-20 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:
The credit bureaus are reporting erroneous information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX regarding a debt for $XXXX owed to Capital One. I never owed Capital One $XXXX. Capital One states they no longer have records for the debt so they can’t tell me why I owe. I’ve written XXXX XXXX XXXX onXX/XX/2019, XX/XX/2019,XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.

Company response to consumer: Closed with explanation