vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( TransUnion, XXXX ) claim they can not remove an unauthorized inquiry from my account.

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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
My spouse lost his employment on XX/XX/2019, but returned to work in XX/XX/2019. The loss of employment resulted in a loss of net income of approximately {$7000.00}. As a result, we fell behind on our mortgage payments. 

SPS sent us a Notice of Default Right to Cure ( the " Notice '' ) dated XX/XX/2019. The amount required to cure the arrearage as stated on the Notice is : {$8000.00}. 

However, the amount on the Notice does not agree with the amount due as shown on SPS ' monthly billing statements : Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$3400.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$2300.00}. 

Statement dated XX/XX/2019 Payment Due Date XX/XX/2019 Payment Amount : {$4500.00} = Regular Monthly Payment XXXX + Past Unpaid Amount of {$3400.00} Statement dated XX/XX/2019 Payment Due Date XX/XX/2019_Payment Amount : {$5600.00} =Regular Monthly Payment XXXX + Past Unpaid Amount of XXXX Thus, the difference between the amount due as shown on the XX/XX/2019 Billing Statement and the Notice of Default : {$2400.00} ( Note : the Notice does include Escrow Payments IAO XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I paid to get my credit repaired and they did not do anything but take my money for six months Im not sure of the exact date but it was somewhere around XX/XX/XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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:
victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX  XXXX a balance XXXX opened 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 2019-10-04 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.

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 2019-10-04 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:
victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XXXX, XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX  XXXX  balance XXXX opened XXXX XXXX XXXX XXXX XXXX  XXXX balance XXXX opened XXXX XXXX XXXX XXXX a balance XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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:
There are accounts that aren't mine on my credit report by XXXX XXXX on two of them

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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX  ) claim they can not remove an unauthorized inquiry from my account.

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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My loan is serviced by PHH and they claim it is {$9900.00} past due ... .13 payments of {$810.00} regular payments. They claim the P & I = {$450.00} and {$370.00} escrow per payment. They claim that a modification was offered in XXXX but do not have a payment plan amount on the record. These acts are a clear violation of CFPB and RESPA law. They also do not a have full payment history or any accounting records relating to the mortgage loan. They claim that the payment plan for {$1700.00} per month was set on a temporary basis, but have no explanation mathematical breakdown or the long term goals of the payment plan. PHH claims the principal balance is {$140000.00} with a maturity date XX/XX/XXXX The original loan amount {$140000.00} and the debt was paid down to {$100000.00} in XXXX. There is absolutely no way the balance on this loan could have accelerated to a {$140000.00}. PHH claims a shared appreciation modification or " SAM '' modification was executed with a {$830.00} waiver. There is absolutely no net tangible benefit this this deal. PHH has assigned a foreclosure sale date XX/XX/XXXX through XXXX aXXXX XXXX. PHH has refused to offer mediation through IN 32.30-10.5, which is a violation of IN State law. Overall, the RESPA, CFPB and HUD violations run wild on this case. sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
wells fargo bank has charged me several insufficient fees for unauthorized transactions, that wells fargo has not even paid.

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 2019-10-04 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:
There are accounts that aren't mine on my credit report by XXXX XXXX on two of them

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 2019-10-04 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b  ). 


1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$3000.00} -This is not my account.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion continuing to display innacurrate employer on credit report. Same ole XXXX   from transunion. Lied again after saying they took care of problem.

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 2019-10-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX ) claim they can not remove an unauthorized inquiry from my account.

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 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
To Whom it Concerns, I received a discounted offer from Debt Recovery Solutions on a debt of {$920.00}. The offer from DSR was to RESOLVE and CLOSE this matter with a payment of {$450.00}, before XX/XX/2019. I did make this payment on XX/XX/2019, but the delinquency is still being reported. 

I have disputed this error with receipts, proof of my payment and Debt Recovery Solutions mailed offer. It has been more than 3 months since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I made a money transfer through paypal to a person who was selling tickets for a concert this individual gave me their account and ask for me to screen shot when i had made the transaction and they would send me the tickets. when i send the money they did ask for me to do it through the selection of friends and family, they then went on to tell me that the payment was first on hold and a couple of days after that they said they contacted paypal and were told no money was ever sent. the money was taken from my account and i contacted paypal and they also said the money was in their account. when contacting this person they just kept with the same story of paypal telling him the payment was never made. i contacted paypal on XX/XX/XXXX again on XX/XX/XXXX and one last time on XXXX XXXX. i want my money back since i have no tickets or atleast for this individual to be stopped before scamming someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Since early this year, 2019 and I have been contacting Equifax every now and then trying to get them to remove the freeze and or the fraud alert on my credit report. I'm currently in escrow and I'm unable to close escrow due to the freeze that the lender can not pull Equifax credit report. I called Equifax multiple times and they say no freeze or fraud alert but they are locking my credit and no lender is able to obtain a copy of my report. I faxed my DL and SSN with a letter to remove the freeze or the lock they have multiple times but still not moving and I'm unable to fix this problem with them. lenders can not pull Equifax 's report, they are locking my report and I'm facing a major financial loss due to the Equifax 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-04 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: DE

Complaint narrative:
Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: U.S. BANCORP
State: OR

Complaint narrative:
My Elan Financial Services ( credit card ) account was charged off years ago before I understood credit. I contacted Elan Financial recently and created new payment arrangements I think back in XX/XX/2019. I have not been late on any payments since then. Despite my on time payments from XX/XX/XXXX to present, the credit bureaus continue to report the payments as late.

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 2019-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My Home Equity loan servicing was transferred on XXXX from XXXX XXXX XXXX Specialised Loan Servicing LLC. Under XXXX my monthly payment was {$220.00} ( as agreed ) but Specialised loan Servicing is charging {$370.00} and also charged me interest backdating to the year 2009. 
My mortgage statement shows that I owe them {$40000.00} plus principal and the {$40000.00} needs to be paid immediately in order to make account current. 
I contacted my current servicer and tried to make arrangement to continue with $ XXXX monthly payment and told them that I disagree with the charges dating back to 2009.

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 2019-10-04 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: OR

Complaint narrative:
My XXXX XXXX XXXX ( credit card ) account was charged off years ago before I understood credit. I contacted XXXX XXXX recently and created new payment arrangements I think back in XXXX of 2019. I have not been late on any payments since then. Despite my on time payments from XXXX to present, the credit bureaus continue to report the payments as late.

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 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavourable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation