vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are inquiries on my report that do not belong to me. The inquiries include : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit 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 2020-01-22 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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This card was used by a former spouse. Then he went bankrupt. He was very ieving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Despite providing proof of insurance at time of vehicle purchase, First National Bank of XXXX, PA Ph # XXXX forced a {$5000.00} auto insurance policy on me. In 30+ years of purchasing vehicles, I have never had this happen. 

1. They made no attempt to contact me to discuss this matter over the phone. 
2. I only received a mailed notification after they already implemented this unauthorized charge ( they conveniently added it to the principal of the loan, probably hoping I wouldn't notice ). 
3. I was told by 3 different people at FNB that I would receive a full refund once they reached out to XXXX XXXX to verify that I had the insurance policy at the time of vehicle purchase. 
4. To add insult to injury, they only issued a partial reimbursement of {$3000.00} on XXXX. 

I don't see how this is anything but extortion. Where is the consumer protection in this type of egregious banking behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have called FedLoan multiple times since the last time I filed a CFPB complaint and they have been unable to fix an issue in which my account shows I owe money when I do not. 

In summary, over the past few months FedLoan gave me incorrect information and accidentally approved me for a repayment plan they were not supposed to approve me for which held up placing all of my loans in a REPAYE plan. I filed a CFPB complaint last month about this issue and they finally placed all of my loans in a REPAYE plan and stated on XX/XX/XXXX in their response to the complaint that " Forbearance has been applied to your loans through XX/XX/XXXX. '' Since that time, I have received multiple notices stating I owe {$3500.00} even though a forbearance was supposed to cover all payments prior to XX/XX/XXXX. I am not supposed to owe any money for the time period during which Fedloan was fixing their issue and my account is not reflecting this. Therefore, a forbearance was not applied to my loans even though their response to my last complaint said it was. 

On XX/XX/XXXX I spoke to an agent with ID # XXXX who told me the forbearance was being processed and it would take 10 days. Over 10 business days later, the forbearance was not in place. I called back on XX/XX/XXXX and spoke with agent XXXX ( ID # XXXX ) who assured me my forbearance extension forms were in place and that by the end of the business day of XX/XX/XXXX my account should have adjusted. My account did not adjust. Today on XX/XX/XXXX, I called Fedloan again. I spoke to agent XXXX ( ID # XXXX ) who stated " the incorrect forms were filed. '' He assured me that he now filed the correct forms and said at this time it will be another 2 weeks until these forms are processed for my forbearance to be applied to all loans through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent ftc and violation b/c of their hackers or data being hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
In 2017 I received form XXXX, IRS ' form for the canceled debt. Sender was Ocwen Loan Servising LLC. However plaintiff on the foreclosure case were GMAC Mortgage, LLC. When I forwarded request for explanation to the Ocwen, they claim that Power of Attorney were granted to GMAC Mortgage by Ocwen. On several occasions I asked Ocwen to provide me with aforementioned document. Ocwen ignored my request. 
PHH Mortgage Services purchased Ocwen. Pursuant 12 CFR Part 1024.36, I forwarded formal Request for Information. PHH Mortgage services refused to present requested document, Power of Attorney. Therefore, I am looking for CFPB 's the assistance in obtaining aforementioned legal paper. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
Shellpoint mortgage servicing inc., is claiming they are the new servicer and that NEW REZ Trust is the new owner, with at first XXXX XXXX as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX XXXX and do not believe it can be removed from a tax exempt XXXX trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from MERS who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against XXXX 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, April 2, 1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka XXXX 's minions. 
as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX XXXX XXXX ) and their Oath to the Crown/ City of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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:
There are two inquiries that are not mine. They are the following : CREDIT INFORMATION S DATE : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX DATE : XXXX XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
Account # XXXX I ordered a set of cookware. Received in good condition and made a payment of XXXX. Keep getting calls of non-payment. I sent them proof of receipt of payment through them and transaction ID. I even sent them a screen shot of my account on XXXX XXXX web site. They still continue to say they did not receive a payment. They want me to send a bank statement which I will do but need at least a month which they will not give me. I use a XXXX XXXX debit card issued through social security. XXXX XXXX showed the payment. I will not send my social security debit information due to security concerns. I told them to close my account after I pay the balance of what is owed according to me and proof of payment which I sent them! 

Thank You For Your Payment Print or save this page for future reference Transaction Number : XXXX Payment Amount : {$72.00} Today 's Payment Date : XX/XX/2020 XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/2020 Available Limit {$0.00} Balance {$0.00} Credit Limit {$0.00} Did you know? 
You can earn credit limit increases with timely payments! 
Terms and Conditions Many others have reported similar issues with this company resulting in false credit reporting of the customer. I am in the process of trying to repair my credit and this would be very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX  without my consent and knowledge.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX  and was created by my XXXX  without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I am not aware of this company, ( I.C. System Inc. ), nor have I ever been in any contract or agreements with said company. I have never had communications, written or verbal, with said company. Any account open is not valid.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XXXX XXXX  XXXX XXXX, is claiming they are the new servicer and that XXXX  XXXX XXXX is the new owner, with at XXXX XXXX XXXX  as trustee, but now has allegedly changed to XXXX XXXX. originally this mortgage was in a XXXX XXXX REMIC and do not believe it can be removed from a tax exempt REMIC trust. I NEVER received any notice from the " new owners '' only the servicer, saying that it was not being recorded publicly. the " assignement '' were from XXXX who has no authority to assign, as the Courts have decided. the " debt '' does NOT exist, and therefore there can be no " Mortgage '' but they claim they can still take the home, because there is a valid " lien '' but will not provide proof of anything, including their alleged " debt '' they are harming, injuring and forcing me to pay for a " legal entity '' which was created by the State and is NOT me, they are placing me into involuntary servitude and " debt '' against God 's will. 
all this fraudulent, concealed " banking '' as they do not own money, or anything as fictions can not and do not have dominion. if there was an actual " loan '' where did they get the money? was it real money in accordance with the Constitution ( money is gold and silver ) and in accordance with the Federal Coinage Act, XX/XX/1972? I bet not, it is nothing more than a satanic, pagen, communistic scheme to steal the American people 's wealth, property and labor, for a few foreign " bankers '' aka Satan 's minions.

as We the People, the true creditors and true people of god and his dominion, we are tired of all this fraud, we are tired of the foreign agents ( XXXX/XXXX  XXXX  XXXX  ) and their Oath to the XXXX XXXX of XXXX or the master banker. XXXX we know there is no money, we know we are being abused and XXXX, plundered and pillaged, but where is the legislation that allows this madness? 
private-woman- Noncitizen-American- National. original " WE the PEOPLE '' granters of " governments ''

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 2020-01-22 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:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone 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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
MY IDENTITY WAS STOLEN FROM XXXX  XXXX XXXX .EVEN AFTER I REPORTED THE FRAUD XXXX  XXXX XXXX ALLOWED THE TIEVES TO CONTINUE USE THE ACCOUT. 
DESPITE NUMEROUS COMMUNICATIONS XXXX  XXXX XXXX  DID NOT RESOLVE THE ISSUE AND SOLD THE ACCOUNT TO A CREDIT COLLECTION AGENCY WITHOUT NOTIFYING ME. 
THE NEW COLLECTION AGENCY, RESURGENT CAPITAL SERVICE / LVNN FUNDING NEVER COMMUNICATED WITH ME AND I FIND OUT BECAUSE I WAS DECLINED BY A LENDER ON THE BASIC OF NEW NEGATIVE INFORMATION REPORTED BY LVNN FUNDING / RESURGENT CAPITAL SERVICES. 
I WANT THIS COMPANY TO STOP REPORTING NEGATIVE INFORMATION BECAUSE THEY ARE COLLECTING A DEBT THAT IS NOT MIND AND ONE THAT WAS CREATED BY FRAUDULENT ACTIVITIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
In early XXXX I was diagnosed with XXXX and was under medical care for 2 to 3 years ; I fell behind on my mortgage payment. Fast forward to today, thankfully I am better and recovered from my XXXX and am financial stable again. I have sent in at least 3 hardship packages over the past year or two between the two servicer 's XXXX XXXX and SN Servicing Corporation. XXXX XXXX offered me a loan modification, and when I accepted the loan modification my loan servicing company was changed, and it went to SN Servicing Corporation. SNSC did not honor the loan modification that was offered to me by XXXX XXXX, this happened early XXXX. Since XX/XX/XXXX I have sent 3 requests to SNSC and my request has been denied every time for -Investor declined loan modification : we are unable to offer you a modification because : Chapter XXXX Discharge where the debt has not been reaffirmed. I can afford to make my mortgage payment now that my hardship is over and still have my life. I have raised my children in this home since XXXX. I was able to get a loan modification for my rental property, and that loan was in the same Chapter XXXX. It is not clear as to why SNSC can not offer me a loan modification ; however they did offer me a collateral agreement with a {$35000.00} good faith payment to pay in a short 3 days of time. I asked for more time and it was denied by the serving company representative managing my loan. Although I am struggling overall, I am still trying to come up with the $ XXXX and not given enough time I am afraid that my home will be foreclosed on me. Given only 3 days time to come up with $ XXXX is harsh and unrealistic. Besides that, I feel the investor on this loan can extend to a loan modification now that I am financially and healthy stable. Also, I believe there is a violation of dual tracking throughout this whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: TX

Complaint narrative:
Credit report reflects XXXX is owed $ XXXX ( + ) for a car loan that they are not the original creditor or lender. Account has been cancelled as evidenced by a 1099 C confirmed by the IRS.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have called, wrote and disputed this situation with Experian on countless occasions and yet has Experian handled this properly. Experian is reporting incorrect information on my credit file. The information that's reported is a civil judgement with XXXX XXXX XXXX. Upon my own investigation on the civil judgement I learned that Experian has not been in compliance. Neither Experian or anyone else has ever contacted the District Court to verify that in fact the said civil judgement that they're reporting on my credit profile actually belonged to me. Experian has not verified the accuracy ( time/dates, name, birthday, social security number etc. ). Experian told me that the information was verified through the District court but when I went to the District court the  clerk informed me that they don't share information with 3rd parties, nor do they ( the courts ) report information to 3rd parties but most importantly no one has been in to verify/ update information. So, according to the FCRA I am exercising my rights to resolve this issue.

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 2020-01-22 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: PA

Complaint narrative:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX - XXXX  XXXX XXXX   - XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief