vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
Called them to ask if they can take some of the inquires off from contour mortgage they told me to get in contact with contour mortgage i did and i check up with contour they told me they Submit paper work and when i check with them they said they didnt recieve and now contour is not answering my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank allowed an imposter to open a business account fraudulently using my name, then granted this imposter access to my personal accounts on-line. Once on-line access was granted, the imposter transferred over {$45000.00} from my HELOC to their new fraudulent business on XX/XX/2019. Then numerous XXXX withdrawls and cash advances were permitted by Citizens. 

As of XX/XX/2019, Citizens bank has not returned the HELOC back to the prior level. Also, Citizens has not given me access to my personal checking and savings dollars, accounting for an additional {$70000.00}. This lack of access has resulted in several late and returned payments.

I have not heard when I will have my personal accounts and HELOC amount back to their levels/balances prior to XX/XX/2019. 

Citizens allowed an imposter to impermissibly gain access to my personal accounts in CT, and I live in PA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: GA

Complaint narrative:
There are inquiries appearing on my Equifax credit report that I did not initiate. I did not apply for credit with these companies. I have file identity theft report and attached to this complaint. Please assist me in resolving this matter amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XX/XX/2018 property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold the sale proceeds paid off the 1st and 2nd mortgage serviced by Ocwen. I recently pulled my credit report from XXXX, XXXX and XXXX to review my credit report make sure its pristine and a desirable loan candidate prior to meeting with a lender. Having excellent credit and high FICO SCORE I expected.to see the sale information on my credit report with the sale and high credit scoreI should have some good options. Not the case ... ..I didn't understand ocwen reported nothing as if the property never existed as far as credit reporting goes. I called ocwen so many times I lost count, Furthermore, as proof to Ocwen I submitted my driver license, Social Security card, statutory warranty deed, final closing settlement, and sellers statement as proof. Unfortunately, to date I have not heard from Ocwen. 
Im currently working with XXXX, XXXX and XXXX Ive submitted supporting documents. The investigation process takes 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I applied for a loan in the amount of {$1200.00}. I did not realize the interest amount would be so high. I'm paying 773.26 % interest. The amount is {$340.00} every pay period and can't manage it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
Quantum Collection Agency is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2019-06-28 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: NC

Complaint narrative:
I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through  law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that Transunion has failed to address : 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 XXXX  XXXX  - XXXX XXXX   XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/2018I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX  XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 1.  I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX XXXX XXXX fighting for her life. I had to fly to XXXX and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to XXXX and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet.

3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2019-06-28 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my 2 grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX  1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: MD

Complaint narrative:
I called my Mortgage servicer Academy Mortgage on XX/XX/XXXX to make my monthly payment and I was told they will not accept my payment because I had been delinquent for five months. I was told I had not paid my mortgage since XX/XX/2019 because they had no record of it. I Told them I had made timely payments from XXXX till XXXX and had proof which I later faxed to them. This is XXXX and there is still no resolution. I called them today XX/XX/XXXX th to find out whether this has been resolved and I was told that I will hear from them on XX/XX/XXXX which is the day their research for my payment will end.. In the mean time they are reporting my credit negative and they refuse to take any mortgage payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
I recieved a collections notice around XX/XX/XXXX in the amount of {$1200.00} from services recieved on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. It stated on the notice that I was eligible to apply for charity care since my insurance didn't cover everything, so I filled out the application and faxed it over on XX/XX/XXXX. ( I wasn't even aware there was assistance programs like this ). I never recieved any acknowledgement that it was approved or recieved, but I did get hit with another larger collection from a company called PMAB. I recieved itemized bills from another visit on XX/XX/XXXX in the amounts of {$1700.00}, {$29.00}, {$56.00} and an additional itemized bill from XX/XX/XXXX of {$80.00} that does not belong to me. All of the bills that were sent to PMAB generated on XX/XX/XXXX, not long after I applied for charity care. These itemized bills also included HIPAA protected information, including procedures I recieved and medication I recieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: IL

Complaint narrative:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've have provided the bureau with an FTC Identity theft report, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ). I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, services, or for any other purpose as described in this report. I did not receive any money, goods, services, or other benefits as a result of these events described in this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
I have been a victim of transunion inquiry issues and I called them and they will not delete the incorrect inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2019-06-28 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: GA

Complaint narrative:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX   XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/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 2019-06-28 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: GA

Complaint narrative:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/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 2019-06-28 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: TX

Complaint narrative:
Unauthorized Inquires on all three bureaus

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