vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I received a letter the first week of XXXX indicating that I had a {$2400.00} shortfall on my mortgage. This money had to be received by XX/XX/XXXX or my mortgage would increase. After being on hold and transferred 2 1/2 hours, I explained that I needed to maintain my current mortgage to maintain my home and I was prepared to send in the shortfall and an extra amount and would have it paid by XX/XX/XXXX. Prior to finally speaking to someone, I asked if someone could called me and was told they dont make outside calls. After getting absolutely no cooperation, I mailed in a check for {$3000.00} and it was deducted from my checking account on XX/XX/XXXX. I received a letter dated XX/XX/XXXX indicating that my mortgage will be increased to {$1700.00}. How was my mortgage increased, prior to the date it was due? I previously emailed them in an attempt to discuss this issue, but received no reply and they dont make outside calls. What company makes no outside calls to their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are inaccurate accounts that remain on my credit report, however the credit bureau has failed to provide proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NY

Complaint narrative:
There are inaccurate accounts on my credit report and the credit reporting agency has failed to provide proof that these accounts are 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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
this company has an account on my credit report thats 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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inaccurate accounts on my credit report and the credit reporting agency has failed to provide proof that these accounts are 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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
this company has an account on my credit report thats 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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
this company has an account on my credit report thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Skopos Financial, LLC
State: SC

Complaint narrative:
I have reached out to this company to resolve the issue of inaccurate information on my credit report. Ive never had a loan with this company. Ive told them several of times that I have no reconciliation of the negative item being reported. I have sent over my id, birth certificate and social security card showing I am not nor have I ever went by the name of XXXX XXXX. My last name is XXXX, Ive never been married nor had a name change. If we cant get this resolved Ill be forced to take further actions. Attached is my id and social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our Mortgage was sold to LOANCARE, XXXX. XXXX XXXX XXXX  XXXX VA XXXX in XX/XX/XXXX, everything seemed okay until XX/XX/XXXX. I tried to log into their website to make my payment as I had done every month before but was unable to log in, so I called to have them reset my password, they informed me it had been reset and to give it a few minutes and try again. I was still unable to log in so I called again and was informed that the reason I was unable to log in was because I owed a balance of {$14000.00} and she asked if I wanted to make that payment. After the initial SHOCK and trying to understand what she just told me I asked how that could be, I stated we have made every payment due and on time, she then stated that amount was actually sitting in a holding account and I owed {$9100.00}. After eight or more calls over the course of three weeks, speaking with several payment center employees, two Loss Mitigation employees and three different Supervisors and explaining our story over and over again we have had no luck in getting this resolved. We were promised a call back by all three Supervisors XXXX ID # XXXX, she would not provide her last name, XXXX XXXX ID # XXXX and XXXX ID # XXXX, and she also would not provide her last name. LoanCare has not applied our monthly payments to our loan that we have sent electronically every month on time as well as reported us to the Credit Agencies causing our credit scores to drop over 100 pts. I'm at a loss for words when I think of the lack of Concern, Care or Importance they have for their customers and on top of it, its their error. Horrible Experience! This is truly the WORST Mortgage Company EVER!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: NJ

Complaint narrative:
On XX/XX/2020 I mailed via certified letter disputes for public record information being reported on my credit report as well as negative information for accounts being reported by Experian. Experian received my dispute along with supporting documentation on XX/XX/2020. It has been well over 30 days and Experian still has not started or even responded to my request for reinvestigation, and it is now the end of XXXX. 

They are now in violation FCRA for failure to reinvestigate and and continuing to report false and inaccurate information. 
1. The first dispute EXPERIAN FAIL TO INVESTIGATE IS A PUBLIC RECORD, which they list a 3rd party as a furnisher of information when they are not and had no knowledge of any investigations performed on behalf of Experian. 
2. They failed to investigate specific disputes for accounts Andresw XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX After signing for for my disputes no investigation was ever started nor was I given a reason as to why. 

Experian never replied or reinvestigated my public records dispute after supplying them with documentation of there false reporting. 
Experian never open started or investigated my public record disputed that they sign for on XX/XX/2020. nor did they investigate negative account information after I submitted supporting documentation There are multiply FCRA violations going on here, as well as in my Credit Report 1. The furnisher for the Public Record listed on my report says that they are not furnishing anything to Experian involving my name, I have proof of that. 
2. Experian is listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 
3. Experian did not provide me with original documentation proving their investigation or result. They did not provide me with the Method of verification documents I requested. 
4. They did not do a proper investigation according to FCRA 5. Experian was in violation on the 31st day after failing to investigate The FCRA is very clear on the way disputes are to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. 
The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. 
Is is also clear as to negative account that can not be verified and that there is 30 days to complete a reinvestigation, which also did not happen here Enclose is the original disputes along with some of the supporting documents, even thou Experian already has a complete set

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted the collections agencies below to advise that the two debts are not my debt. I asked for proof of contracts etc. I was hung up on by both at least once. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX and XXXX several times and it has not be proved to be my debt no removed. I called XXXX and XXXX XX/XX/XXXX asking what should be my next steps. I was told to contact Merchant Credit Guide again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Merchant back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Merchant. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send both letters? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX and XXXX XXXX XXXX and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Merchant Credit Guide, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX, XXXX Account Numbers XXXX {$340.00} opened XX/XX/XXXX XXXX {$440.00} opened XX/XX/XXXX Collection Department / Agency / Attorney Medical/Health Care {$340.00} and {$440.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
as previously stated, 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 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield and Associates has hit my credit report five separate times over the past 3 years and all the balances they say I owe are within a few hundred dollars of each other. XX/XX/XXXX for {$1200.00}, XX/XX/XXXX for {$1500.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$730.00}, and XX/XX/XXXX for {$1100.00}. I began requesting verification of the debt from Wakefield back in XXXX when I noticed their first hit on my credit and have continued requesting the information every few months since. I've never received a single response from them and I honestly have no clue what they're even trying to bill me for. You'd have to be a special kind of XXXX  to just hand large amounts of money to some random collection agency without proof the money is even owed and I'm not that XXXX. I've repeatedly disputed these collection accounts with all 3 credit bureaus several times and all I get is some variation of " Account information disputed by consumer, meets FCRA requirements ''. How can they possibly get away with that when neither Wakefield nor any of the credit bureaus have provided me verification of these supposed debts? Disputing information to the credit bureaus is a joke ; they clearly don't bother doing any real investigation and just take the creditors word for it. That hasn't and won't stop me from continuing to dispute these accounts that have never been verified to be legitimate. 

The bureaus have placed this comment on most of my Wakefield accounts : " This collection account is derogatory do to collections or charge-off. '' Well XXXX XXXX XXXX! Wakefield is a collection agency so obviously whatever the original creditors ( if they even exist ) were billing me for were sent to collections! I want to know WHO the original creditors were and WHAT they were charging me for in the first place. I don't recall receiving any bills for those general amounts from Wakefield or anyone else. I have a right to know what these collection accounts are all about and my repeated demands to exercise that right fall on deaf ears from both Wakefield and the Big 3. 

Collection agencies like Wakefield should be illegal. They buy up old debt ( or invent it themselves ) and use it ruin credit scores, all while ignoring requests and demands for verification of money owed. They're nothing but bottom feeding predators who do everything in their power to dupe people out of their hard earned cash. Regardless of anything else, I don't owe Wakefield a XXXX dime -- I never signed a contract, agreed to pay them, or anything like that. No contract between us = no valid debt. Their contract is with whomever they bought the supposed debts from, not with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL

Complaint narrative:
I have loans with Castle Credit and XXXX XXXX XXXX XXXX in XXXX. I tell them I can't pay on time. Collector gets on the phone with me and says I shouldn't have to because both companies have been making loans in states with out beeing licensed to do so so I shouldn't have to pay. 

I said I want to talk to a manager and they put XXXX XXXX on the phone. He talks to me and starts calling me the XXXX word and threatens me saying he's going to have me arrested and put my hole family in jail. 

If they give me loans and have been doing this in states for years per their collector in states where they don't have licenses to do business I was willing to pay but then when he starts calling me the XXXX word and threatening to put me and my family in jail because we're minorities that's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2020-04-25 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: DC

Complaint narrative:
Equifax REFUSES to delete a fraudulent Collection that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Equifax deleted the charged off account associated with this fraudulent account, they refuse to use the same LOGIC and remove the collection account. I have provided direct correspondence from XXXX and XXXX as well as Equifaxs own findings that shows their investigation was concluded and was found in my favor, Equifax ignored this and instead refuses to delete. This fraudulent collection account continues to report and damage my credit score monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC
State: AL

Complaint narrative:
I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: 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 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: WA

Complaint narrative:
I obtained a loan through XXXX XXXX XXXX and, as part of my loan approval, I was to pay off some existing debt. The company that was to be paid off was Avant LLC. I sent a check, from XXXX XXXX XXXX, to Avant on XX/XX/20, it was processed on XX/XX/20, but the funds were not applied to pay off the loan. Avant took out a monthly payment on XX/XX/20. After noticing the payment was processed, I contacted Avant on XX/XX/20 to ask why the funds were not applied to pay off my loan, they said they would refer the matter to the resolutions department. I have sent several emails to Avant, and they have not replied. They took another monthly payment out on XX/XX/20. I called again on XX/XX/20, and was told the resolutions department would be in contact with me. Avant continues to take payments out of my checking account, even though they received a check for pay off amount over 6 weeks ago. I have a copy of the cancelled check, which I have included in all of my correspondence, but they still have not applied these funds to my account.

Company response to consumer: Closed with explanation