vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was XXXX years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX XXXX : XX/XX/2019

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 2020-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AA Recovery Solutions, Inc.
State: VA

Complaint narrative:
On Wednesday XX/XX/2020 I received a voicemail from XXXX XXXX calling from XXXX the message was veryu rude stating that he has been retained to pursue all of my legal assets.I had no idea who he was so I called back and he immediately starting yelling that I owe a debt and that I need to pay it .I asked him from who because I had not received a letter from him. He started yelling that I am broke and probably cant afford to pay the debt. Then he said I want verification so I can find a way not to pay it. Then I asked him who was the orginal debt owner he said XXXX  XXXX .I asked him to give me their number so I can contact them .He told me to XXXX it .I said to him I wanted to make sure I had the correct info he started yelling I am too stupid to go online and XXXX.it He attacked me verbally non stop for 20 minutes. I told him clearly I can not speak to him without him yelling and being abusive so he said to speak to his supervisor and he put a guy name XXXX on the phone and I asked him what was the name of the business he was calling from he said AA Recovery in XXXX Fla. I advised him of XXXX behavior he didn't really say to much about XXXX behavior. I told him I have never seen or heard of this debt before .He said the debt was {$3000.00} I told him I never took a loan for for {$3000.00}. He said it was {$1500.00} and the rest was fees. I asked him to send me confirmation where I signed for this loan because I have not signed for a loan. He sent me a letter that stated this : Pursuant to our discussion and our clients approval this letter will serve as official notification that this office is authorized to accept the sum of {$3000.00} as payment in full on the outstanding balance for the above referenced account on the conditions outlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment must be received in our office no later than the close of business on the date indicated below. If payments are not received in the indicated amounts and on or before the date due, this offer is hereby revoked and AA Recovery Solutions is under no further obligation to honor the terms of this offer. 
I responded to him to send me an address so I can write a letter to him to validate this loan with a promissory note etc he has yet to respond. I am not sure if this company is a scam or what. I would like to file a formal complaint against this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for Experian 's {$1.00} credit report for a week cancelled and they still billed me for services after. I only knew about it because I called my bank back in XXXX about it. They charged me {$1.00} in XXXX then {$24.00} on XX/XX/XXXX, {$24.00} on XXXX, then {$24.00} on XX/XX/XXXX and another one on XX/XX/XXXX. I asked my bank to cancel it on XXXX they charged me again on XX/XX/XXXX. I called the Experian Rep and they did  confimr that the only access on the account was on XXXX. I only used experian because of the {$1.00} promo last XXXX when I needed to buy a car. I have not used it since and have cancelled the account. There is no other time the account was accessed and the access on the account last XXXX wasn't even me accessing the account. It was them accessing my account, because I have entirely forgotten that I have an existing experian account. I do not have money that I need to check my credit score. I only needed Experian because of the {$1.00} dollar deal they have. I want to get back the money that they took out of the account because I didnt use their services beyond that week as proof of my access on the account. Please help me.

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 2020-01-25 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: NY

Complaint narrative:
This has been a circus for 3 months now. My equifax credit score was restored to XXXX where it belongs a week ago and you dropped it again for no reason. XXXX is the culprit here but it has already been established. I have never seen so much XXXX and incompetence in my whole life, unless this is just deliberate mean action to keep a consumer like myselfs credit low. On Monday XX/XX/2020 I will be filing a civil lawsuit against XXXX. I will win that lawsuit. If need b I will include all of the credit reporting agaencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Experian regarding my XXXX XXXX account. The dispute was related to the accuracy and the account being tied to me. On XX/XX/XXXX the dispute was updated but the date the account closed changed from over a year ago to XX/XX/2020. This caused my mortgage credit score to drop more than 45 points. Because its now showing as a new negative when in fact its over a year old. This has now caused an extreme burden on myself and family as that is inaccurate information. As a Veteran I was looking to purchase a home this year and now that may be out the question. Experian updated information and changed dates that are available incorrect and unfair to the consumer.

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 2020-01-25 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: NV

Complaint narrative:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much to worry about. We recently parted ways due to abuse both verbal and physical. 
There are Collections, inquiries, and addresses listed on all 3 of report that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX  {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Greetings, I am XXXX XXXX. I have been an unmarried Housewife since I was 19 years old. The majority of my assets were paid for by my Ex-fianc, so I didnt have much

to worry about. We recently parted ways due to abuse b oth verbal and physical. There are Collections, inquiries, and addresses listed on all 3 of r eport that arent mine. Please remove from my report immediately, so that I can obtain credit of my own without and issues. 
Thank you Collections XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX   {$850.00} XXXX XXXX XXXX, {$2500.00} Hard Inquiries XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019

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 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ. XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX ; www.consumerfinance, cov/mortgagehelp Dear Sir or Madame : Unfortunately, I have no choice but to file a complaint regarding my PHH Mortgage Home Loan # XXXX. Since XX/XX/XXXX, I have been trying to resolve the following matter with XXXX PHH Mortgage Services. The attached three ( 3 ) pdf documents substantiate my statements below. 

In XXXX, I contacted XXXX  PHH to recast my mortgage loan, and they sent me the required Principal Curtailment Modification Form. On XX/XX/XXXX, I returned that completed form to XXXX along with a {$300.00} check for the required processing fee plus a {$95000.00} check for Principal Payment. This mailing was per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated XXXX of XXXX signed receipt on XX/XX/XXXX. My bank statement showed these checks were cashed on XX/XX/XXXX. However, there was no recasting of my mortgage. I made no fewer than XXXX telephone calls to resolve this. Expeditor XXXX  XXXX was the last XXXX XXXX Representative that I spoke with at XXXX x ( XXXX ). He told me that XXXX had received my checks but did not receive the Principal Curtailment Modification Form ( which I had enclosed in the SAME envelope as the two checks ). He told me to resend that form. So I resent the form per Certified Mail # XXXX XXXX XXXX XXXX XXXX. My return receipt indicated that XXXX XXXX of XXXX received this on XX/XX/XXXX. 

This week, Mr. XXXX telephoned me to reassure me that the Escalation Department completed my mortgage recast request. He said that I would get a document in the mail that I must notarize and return. Then my recast would be processed. Well, Instead of this promised document, I received two unrelated documents : First, I received a letter entitled The mortgage assistance application was received. The next day I received Missing items from the request for mortgage assistance. I did not receive the recast documents that Mr. XXXX promised my by phone. 

XXXX has kept my {$300.00} recast processing ( cashed on XX/XX/XXXX ) fee without recasting my mortgage. I have twice spent money on certified mailings and much time on useless telephone calls. I have patiently tried to resolve this since XX/XX/XXXX. 

I request CFPB to help me resolve this. I would like my mortgage to be recast, but I do not want to spend more money/time on now having to notarize documents. This notarizing process was not part of the original recast requirement. If XXXX refuses to omit this new, additional requirement ( i.e., notarization of documents ) do this for me, then I want both my {$300.00} and {$95000.00} returned to me so that I can refinance my mortgage loan elsewhere. Thank you for your assistance. 

Sincerely, XXXX XXXX Cc : 3 pdf documents to substantiate the above

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received notice of a collection from Fair Collections & Outsourcing! By law I had 30 days from time of receiving to request the debt be validated. I responded with a debt verification letter sent certified mail to Fair Collections and Outsourcing. 

By law they are required to send me a validation notice or respond to my verification request. 

They have not done so but instead sent me a threatening letter stating the following ... 

" Your account has already been reported by our office or is scheduled by our office to be reported by our office to one or all of the following national credit reporting bureaus : XXXX  Credit Information services,  XXXX Credit Information Service or XXXX. '' I know for a fact this debt is not valid and my verification request has gone unanswered because they to know it is not valid. 

There refusal to to send a validation notice is a clear violation of the collection practices 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 2020-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I reached out to Nelnet in reference to a several student loans they service for Department of education that are being reported on my consumer reports with XXXX, XXXX  and XXXX  after they denied my identity theft claim. I believe these accounts are erroneously listed on my consumer report. In response to my inquiry Nelnet sent me a generic form response and provided some additional copies of alleged account transactions. Furthermore on one document thay claim to be reporting the accounts on my consumer report correctly and accurately based on the fact that I allegedly acknowledge ownership over the accounts by applying for deferments/forbearances. They provided a " Deferment and/or Forbearance History '' document. I still reasonably believe that these accounts are being listed on my consumer reports are erroneous and should be deleted. The documents Nelnet provided to me do not prove that the accounts in question factually belong to me. 

Please see attachment. I have attached documents that Nelnet used to determine that the accounts in question allegedly belong to me and ask for clarity in the form of additional documentation to support their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I attempted to order a refrigerator through Sears online in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of 2019. acct syw  mc/cbna # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.

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 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am fully disputing theValidity of this debt My loan has been Securitized and placed in Loan trust. XXXX XXXX XXXX XXXX XXXX XXXX is serving as trustee for a XXXX XXXX.asset-backed certificate XXXX XXXX in section XXXX of this trust it clearly defined that all mortgages have to be transferred prior to the cut off date of this trust they are using a fraudulent assignment to foreclose on my property. I received a three month trial to get modification for XX/XX/XXXX XX/XX/XXXXand XX/XX/2020 I am concerned about the the back payment being applied to the end of my loan. I have asked for the gap accounting in a qualified written request which has not been responded to. This Loan trust has taken it losses and I am asking for a principal reduction with a complete restructured mortgage and all foreclosures to be canceled until all of my concerns ands dispute Ive been addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
US Auto Finance has continued to report false late payments on my credit history. The vehicle was returned to US Auto in XX/XX/2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for US AUTO to close the account. 

The last late payment shown should have been in XX/XX/2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that US Auto is claiming to be in my possession they have. Also, US AUTO has failed to follow Georgia law and properly notify me of the sale of the vehicle. US Auto took possession of said vehicle in XX/XX/2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XX/XX/XXXX. This is inaccurate. The payment in XX/XX/XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: MD

Complaint narrative:
Let me start by saying that unfortunately I have been informed of several financial institution breaches, compromising my social security number, date of birth, addresses and other personal information. I have since been monitoring my credit report. 

On XX/XX/2020 I sent a document ( see attached ) to EQUIFAX to ask them to remove the ( 2 ) negative accounts that I disputed, via CFPB. I received a court document dismissing the case. 

Per my credit monitoring service ( XXXX XXXX ) I noticed EQUIFAX had opened ( 2 )  investigations on two old account ( XXXX XXXX XXXX  and NOT THE XXXX  Accounts that I clearly requested!!!! with documents attached!!!!! 

On Friday XX/XX/XXXX XXXX am I called EQUIFAX to try and clear up another mess that they created!!! My call was answered by a lady who identified herself as XXXX, I confirmed with her that it was the XXXX Call Center, the rep sounded completely inadequate and may have been in training. I asked as it is my right to speak to a Supervisor and she refused asking me to hold. It was clear that there was a language barrier, and a clear indication that this rep should not have been handling any sensitive information.she returned to the line and disconnected the call that went straight to a survey. I did NOT sleep knowing that someone with this little training was handling my request and personal info, after all the breaches and compromises!!! Please help remove this off of my report. It is important to me to remove and clear my report for upcoming employment and access to health coverage. ( I am healing an injury ) I can not believe EQUIFAX botched this request up and may open an investigation on accounts not requested by me! ( this has lowered my score per my last check on XX/XX/XXXX. 

Please help me! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NJ

Complaint narrative:
I attempted to order a refrigerator through XXXX XXXX  in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of XXXX acct XXXX XXXX/XXXX # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: LA

Complaint narrative:
On XX/XX/XXXX I learned from an original creditor ( OC ) a claim of {$440.00} was still owed. I contacted the OC ( XXXXXXXX XXXX ) explained & illustrated to them that no further monies were owed. They assured me the matter was resolved & a letter of confirmation would be sent to me. XX/XX/XXXX I receive a letter form Grant & Weber Inc. ( collection agency ) stating they represent XXXX XXXX ( OC ) and now {$480.00} were owed. I explained to them the prior conversation with the OC expressing resolution to the matter. They did not care. They continued with the debt collections and placed it on my credit report even after I wholeheartedly disputed theyre claim. On XX/XX/XXXX I sent them a letter asking them to validate theyre claim in accordance with law. They have not provided any of the validation steps or removed the claim from my credit reports as required by law. XX/XX/XXXX I sent a second letter to Grant & Weber Inc. requiring them to remove theyre claims from my credit reports since they have not provided validation as prescribed by law. Im filing this complaint to your agency. I have filed a complaint with the XXXX. I have filed a complaint with the State Attorney Generals Office - XXXX XXXX, NV. Each complaint will express my hardships. The disrespect & plain lack of interest Grant & Weber Inc. has demonstratively shown throughout this matter. The disregard Grant & Weber Inc has for Federal Debt Collection Laws & established professional practices must be reported to your attention for further review. I sincerely hope that you can bring Grant & Weber Inc. to follow lawful procedures & practices. Thank you for respectful consideration & efforts on these matters. 

Respectfully, 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