vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
PHH Mortgage Services acquired my loan from Ocwen. I was advised I was approved for a trial modification with a monthly payment to be made XXXX, XXXX and XX/XX/XXXX after which a decision would be made for permanent modification. I called each week in XXXX regarding a decision and was advised the modification was approved and I would receive paperwork to sign and return. I received the paperwork XX/XX/XXXX indicating the permanent payments would begin XX/XX/XXXX and the paperwork needed to be notarized and returned by XX/XX/XXXX. I was advised the notorized paperwork was received XX/XX/XXXX and I would receive documentation confirming the permanent modification. I never received the documentation and called back each week for a status. I was advised on XX/XX/XXXX a PHH employee provided the wrong amount for me to pay and therefore the XX/XX/XXXX payment was short and the decision reversed. I questioned why I would receive two different decisions. The relationship manager assigned XXXX XXXX advised it was a mistake on their part and he was working to get it resolved. He advised on XX/XX/XXXX that I needed to pay {$1900.00} by XX/XX/XXXX to have the decision reversed in which I paid XX/XX/XXXX. I called the 1st week in XXXX and was advised I needed to pay {$630.00} for XXXX which was paid and at the time the modification would be permanent and reported as current. I have had four appointments since with the relationship matter with the most recent being XX/XX/XXXX and the matter is still not resolved. Once again he advised to check back next week. My credit report doesn't indicate I have a mortgage loan and that is a concern. I am not able to access any information on PHH website. When attempted a message populates indicating no account information is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: MN

Complaint narrative:
I submitted a dispute to Experian on XX/XX/2020 for a balance update for XXXX XXXX. I paid the balance in full on XX/XX/2020 and XXXX XXXX  said that they update the credit bureaus at the end of the day each Friday. I recieved a response to my dispute on XX/XX/20 stating that the dispute was resolved and that no changes needed to be made. I called XXXX XXXX on XX/XX/2020 and they confirmed that the balance was paid onXX/XX/2020 and was reported to the credit bureaus at the end of the day.

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent out multiple letters and have received no response to validate that the debt is mine. They are reporting that {$570.00}. Please help as I don't know what to do as they are ruining my credit reputation with this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Due to hardship during COVID-19, we asked for a forbearance for our loan. Their terms and conditions state : " All unpaid monies are due in full at the end of the forbearance. For example, if your normal monthly payment is {$1000.00} a month and you enter into a 3 month forbearance, you will owe {$3000.00} at the end of the forbearance period. '' This is a predatory practice. America is hurting right now - and we are too. We will be getting XXXX stimulus from the US government, but I have a tremendous decrease in wages and my wife 's business is down also. Her bank for her business just moved two months to the end of the loan - which is fair. But Shellpoint 's practice should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( 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
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I never received my monthly bill for the month of XXXX. I called to have the paper statement mailed to me. By the time I got the statement I owed a late fee and interest fees.I called again asking them to waive the fees and they refused. I then wrote them a letter and they ignored it.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is refusing to review or apply a credit to my account that has already been issued by a third party. 

On XX/XX/2020, XXXX issued a credit to my XXXX XXXX card totaling XXXX XXXX ( XXXX XXXX  ). This comprised of four credit transactions in the amounts of : XXXX MXN ; XXXX MXN ; XXXX MXN ; XXXX MXN. We have confirmed with a representative from XXXX corporate via the XXXX XXXX XXXX that XXXX has issued these credits, and the sending bank has confirmed success of the transaction. We have received transaction identifier ( ID ) codes for each transaction. 

Despite several calls over the past month, including with XXXX on the phone in a conference call, Chase denies that these transactions exist. When we attempt to provide transaction ID codes so that Chase can lookup the transaction, they deny that this is possible. Chase representatives insist they can only look up a credit ( refund ) transaction if an original charge exists. However, no such original charge exists from XXXX. XXXX is issuing a credit to my account without having previously charged it. This is a valid method of crediting account but Chase representatives deny this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Regarding : Comenity Bank - XXXX XXXX credit card account ending in XXXX Subject : Incorrect Credit Bureau Reporting for XX/XX/2019 Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Texas XXXX Phone Number : ( XXXX ) XXXX Account information dispute : This one late payment ( I believe it was a combination of being a day late and processed untimely by Comenity Bank per their admission hence the late fee reimbursement that month ) is the only blemish on my otherwise perfect credit history and is causing problems with my current mortgage refinance. I placed numerous courtesy requests with the Comenity Bank Customer Care Team to reconsider this negative reporting for XX/XX/2019. I truly believe they refuse to do their due diligence to see why they reported this payment as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 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:
I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information

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 2020-04-13 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: CA

Complaint narrative:
I found Bankruptcy shows on my credit on XX/XX/XXXX and other Bankruptcy same I never filing on those days XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX please help me on these this days are wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I was a student at XXXX XXXX XXXX. In XXXX, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. 
On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. 

Student Loan Companies : ACTIVATE FINANCIAL  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX General Correspondence and Submitting Documents : XXXX - XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX California Residents : XXXX. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Progrexion Holdings, Inc.
State: IA

Complaint narrative:
This complaint concerns Credit.com , Inc., a company which access credit reports and provides them to consumers. 

I have tried on multiple occasions to close my account with Credit.com and revoke my authorization to access my credit report. This process has taken many hours and several weeks. I have both tried to use an automated online link to close my account, which has been fruitless ( as discussed in the attached emails and shown by the attached screenshot ), and emailed back and forth several times to try and get support to close the account to no avail. 

In doing so, I have repeatedly revoked my written instructions to close the account in accordance with the provisions of the Fair Credit Reporting Act and the Terms of Service ( in particular, Section 15, which provides that authorization is revoked by " terminating the Service '', which is governed by Section 25, which states that consumers wishing to terminate should contact under Section 17, which provides for customers to contact customer support at support.credit.com, which directs customers to email support@credit.com ) and nonetheless Credit.com has failed to act in accordance with that revoked authorization. 

This, in my view, has violated my rights under the Terms of Service and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 2020-04-13 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT AUTHORIZED AND WHO OBTAINED MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH DAMAGE TO MY CREDIT. THIS SITUATION IS NOW BEYOND MY CONTROL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems
State: NC

Complaint narrative:
I received two bills from a " Financial Data Systems, XXXX '' with two charges that have no explanation and claim that their client has tried repeatedly to collect from me, but no such communication has happened. I went through some of my voicemails and discovered that I had been getting automated ( computer programmed ) calls notifying me of debt, but no further explanation. the voicemail starts with " by staying on the line for 5 seconds you confirm that you are XXXX XXXX '' then it proceeds to count : " XXXX XXXXXXXX  '' etc. 
I googled the company and their " client '' XXXX XXXX and both have reviews with similar complaints about false debts and illegal collection methods.

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 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had a balance of {XXXX in my Venmo account. I sent it to a friend. Next day my account got frozen. Hers did as well. The money got returned to my account. I was told by Venmo via email that I would need to provide my ID card which I did. After they received my a picture of my ID card, the account specialist reached out to me saying that my account has been permanently deactivated and I wont be able to use Venmo services anymore. After that the balance on my Venmo disappeared. Now it says {$0.00} I messaged the Venmo account specialist again and I keep asking what happened to my balance, where did it go. He refuses to answer my question related to the balance. All he keeps saying is that he cant divulge the reasons why my account is being deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Transunion the last six months and this information has not been corrected. 

I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Transunion before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Transunion database. I have not seen where Transunion has experienced a recent data breach that would lead me to believe that XXXX XXXX and XXXX XXXX are being less than truthful in their recorded statements to me. 

As of XX/XX/XXXX, Transunion is still reporting XXXX, XXXX, XXXX and XXXX XXXX as variations of my legal name. I have never gone by these names and they do not belong to me. However, my spouses name is XXXX XXXX XXXX and therefore these variations should not be reported on my credit report. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Transunion continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be reported on a consumers credit file. Transunion needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX  XXXX - XXXX/XXXX  XX/XX/XXXX - XXXX/XXXX  XX/XX/XXXX As of XX/XX/XXXX, Transunion continues to report the following invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- XXXX  XXXX XX/XX/XXXX - XXXX/XXXX-XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Your assistance with this matter is appreciated. 

Thank you.

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 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal closed my account to where I could not use my credit card that I had with Navy. When I tried to use my credit card it was closed. When I tried to pay on it the bank would not allow me. They told me my account was closed. The reasons the bank stated my account was closed due to security reasons. At the time, my identity was stolen and I had support of my personal information being tampered with. The Navy Federal account is my account and the credit card is my credit card. I have no problem paying for the credit card that I owe. I was only protecting myself letting the bank know my information had been tampered with when I lost my personal information so there may been a problem and the police report would support anything problems that may have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation