vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My local XXXX XXXX XXXX collector issued a refund of past taxes for years XXXX and XXXX. At that time, I had a mortgage with XXXX so the tax collector sent my refund to XXXX. XXXX recognized that they had sold my mortgage to PHH and sent the four checks, totaling {$3500.00}, to PHH.l I have contacted PHH numerous times to include three faxes sent to XXXX and a registered letter tot heir Customer Research Department asking them to send me my tax return. ( inquiry numbers XXXX ( 39 ) and XXXX ( 66 ) They have sent me a fax and a letter saying they are unable to locate my account. I sent them copies of the checks that XXXX ( XXXX ) sent them. They say they have no account number for me and are unable to locate the funds. 
I do not have an account number with PHH but have provided the property address and my social security number.

They have my money and I would like you to help me get it back. In addition to what I state above, I have spent hours on the phone and they say I can't speak directly to the Research department nor do they have a direct phone number. They only have a fax number. Please help me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-11-01 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: NJ

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-11-01 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:
AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.

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 2019-11-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

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 documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
This is a hospital bill/worksmans comp bill, that first off Im not responsible for, also the second collection agency going after me, each time they sell the claim my credit goes down more!!! Its not fair that each time my credit score is affected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX   XXXX XXXX XXXX {$230.00} not mine XXXX not mine XXXX not mine XXXX XXXX XXXX {$1900.00} not mine

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 2019-11-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo did not report any of the payments after XX/XX/XXXX. All payments were made on time until the account was paid off by XXXX XXXX in XXXX. This gives the impression that the account was LATE or " Potentially Negative '' from XXXX XXXX. 

This is in direct violation of the FCRA. The account was re-affirmed in XXXX and paid in full. 

Wells Fargo sent me a letter that reporting is correct when it still is not. 

XXXX, XXXX  and XXXX all three have failed to dispute correctly and are in direct violation of the FCRA.

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 2019-11-01 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT, I HAVE IDENTIFIED SOME INQUIRIES LISTED THAT WERE NOT AUTHORIZED BY ME, PLEASE HAVE THOSE INQUIRIES REMOVE FOR THEY HAVE BEEN INACCURATELY PLACED ON MY FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I fell victim to identity theft and someone attempted to open a credit card with " JPMCB- Card Services ''. The card was not opened as the bank was unable to confirm information on the application, per a letter received from the bank. However, a hard inquiry was placed on my XXXX  report. However, this attempted credit card application was fraudulent and the XXXX hard pull must be removed. 

I contacted JPMCB - Card Services on XX/XX/2019 and they informed me that they would request that the credit bureaus remove the fraudulent hard inquiry from my reports. I received a letter to this effect dated XX/XX/2019. I also contacted XXXX   on XX/XX/2019 to have the hard inquiry removed and was told they'd need to wait for the credit card company to request the hard pull be removed. 

Nothing happened. I submitted a second dispute with XXXX   on XX/XX/2019 as well as contacted JPMCB - Card Services. I was told that they had informed the credit reporting agencies that the hard inquiry should be removed on the basis of fraud but that they would send them a second request for the removal by XXXX. I received a letter confirming this action dated XX/XX/2019. When I received back the results of my dispute from XXXX, it stated : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact Chase Card, XXXX XXXX XXXX, XXXX, DE XXXX, Phone ( XXXX ) XXXX. '' As of today, XX/XX/2019, I still see the hard inquiry from JPMCB - Card Services on my credit report from XX/XX/2019. To reiterate, this was a fraudulent attempt by someone to open credit in my name, which failed but the hard inquiry is negatively impacting my credit score and needs to be removed  immediately after these multiple attempts to resolve this through the bank ( JPMCB - Card Services ) and credit reporting agency ( XXXX ).

Additionally, this JPMCB - Card Services fraud had also been reported to XXXX. However, that was quickly resolved and the hard inquiry has long since been removed from my XXXX credit report. 

I have locked my credit reports and added a security freeze at all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on XXXX and 19 late payments on Transunion but there are no evidence of this in the accounts that I have on my reports.

This inaccurate reporting has been negatively impacting my credit.

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 2019-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We are having difficulty resolving a XXXX payment made to bring our escrow balance into full reserve. The company, Penny Mac, said they can not find the payment, which we made in the same electronic manner that all our previous house payments were made. We supplied the electronic transaction number on 5 occasions to 2 different people at Penny mac with no result. The officer assigned to us said " we have millions of  transactions a day. '' We find this ridiculous. The money left our account ( XXXX XXXX ) and was electronically sent. The money is gone-We have no ability to return the money to our account. 

We called XXXX to confirm the delivery-XXXX  said the transaction number is proof of the transfer and Penny Mac receiving the money.

This is very disturbing. XXXX is a large sum of money to lose and a bank/mortgage company should never lose money-ever. What if they lost our house payment? 

We have run into a brick wall with the resolution of this issue. We need some help. 

Thanks, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
On XX/XX/2019 I sent a notarized letter to the credit bureau called XXXX via certified mail. The letter requested the physical verification of two particular debts in accordance with my rights and laws under the FCRA. The letter was delivered to XXXX on XX/XX/2019. In response to my letters, I received a letter from XXXX dated XX/XX/2019 stating that both of these accounts have been verified as accurate. I received two letters from the collection company - Receivables Management Systems, both dated XX/XX/2019 trying to collect a balance on both of the accounts. The only way for XXXX to have verified these accounts with Receivable Management Systems would have been for them to have sent my personal medical records that are protected by HIPAA laws to XXXX. If that is the case - this is a huge violation of the laws and require very large fines against Receivables Management Systems. For Receivables Management Systems to have my personal medical history related to the accounts would be a huge violation of the laws and require very large fines again. In accordance with FCRA and HIPAA laws, either these debts can not be verified and need to be removed from my credit report immediately or they need to be investigated for sharing my personal medical history. At no time did I contest or dispute the debts and accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I disputed through CFPB that this account was not mine. In those 15 days, they've done NOTHING. It doesn't take that long to verify an account. I requested specific documentation, which would leave GS SERVICES 15 days remaining, to provide me with this documentation. FCRA does give 30 maximum. I requested all documentation ( not an invoice ) showing even a contract bearing my signature ( FCRA 609 ) - they have no contract. That being stated, what proof were you given that this account was even opened by me?! I gave them police report number, and FTC report. Which gives a time frame that collection agencies have to remove an account. Same for bureaus. The collection was given to your office in XXXX YET I still have XXXX XXXX   currently in my name. FCRA 609, 823 - provide me the contract bearing my wet signature or delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I called the Chase dispute department to dispute a charge from XXXX XXXX ( transaction XXXX QC processed on XX/XX/XXXX ) in the amount of {$260.00}. I explained that the charge was for a flight upgrade. Since there was a delay to the flight resulting from mechanical issues associated with the plane, XXXX XXXX decided to rebook me on their partner airline XXXX XXXX. Upon being at the XXXX XXXX counter, the representative told me that the upgrade I paid for could not be processed because it was for XXXX. I submitted a claim to XXXX and also called Chase to dispute the charge stating that the product/service ( actual upgrade ) was never rendered. Chase told me that because I was accommodated with another flight, this was valid. Something that neither makes sense, nor was it based on any airline policy. I asked to speak with the supervisor who had nothing else to say besides wanting me to write to some address. No additional explanation was provided, no airline policies and ticket contingencies were reviewed. Investigation was closed prematurely with essentially rationale that did not make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I mailed the Fortiva, via certified mail, the CFPB collection letter to request verification of a debt being reported on my credit report. A week later I was sent back a letter from the company requesting information from me. I don't know why I'm being asked to provide information, in response to my request for my consumer file as per 5 U.S.C. 1681. I will attach the letter sent from the company and my Certified Mail Receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: AL

Complaint narrative:
I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: MO

Complaint narrative:
XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: MO

Complaint narrative:
XXXX XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

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 2019-11-01 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: MO

Complaint narrative:
XXXX  XXXX # XXXX is reporting a late in XX/XX/2019 that I should not owe. When I set this account up I wanted to set up auto draft but set up auto pay instead and apparently that is not the same thing. The representative I spoke to did not set it up properly the month before and as a result I got this late before I noticed the mistake. This late is not my fault and I would like it removed off of my credit.

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 2019-11-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with explanation