vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 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: PA

Complaint narrative:
I contacted XXXX and XXXX XXXX and asked them both to remove this account from my credit report. 

This is on the wrong XXXX XXXX XXXX account or my identity has been used by another person in two states. I am not sure but the attached documents that I received from the FDIC that were forward to them from XXXX XXXX the president of XXXX clearly proves that this account is not mine. 

This account was initiated in a state that I never lived in. The so-called product was delivered to another state that I never lived. 

Why would they even issue credit to this person? A person that gave them 2 different addresses. A person that used 3 different cards and one declined. It doesn't make since. 

I contacted Equifax, XXXX and XXXX  numerous times and I was told this account was validated. I asked them all for the documentation that they used to validate this account and if these are the same documents that they used to validate this account. It is apparently not me. They have placed this in the wrong XXXX XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: GA

Complaint narrative:
I was a curent Section8 government program attend and in XX/XX/XXXX i  found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX   children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX  and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: DC

Complaint narrative:
I tried several times to do a loan modification with Selene that was denied. I ended up filing for bankruptcy and surrendering the property. Selene Finance is now attempting to do a sale of the property. Selene never gave me notice in writing that they were attempting to foreclosure on my property. I understand that if I didn't pay that it would happen but I never got any paperwork to show that I foreclosure was being done. I owe to much to keep the property and that's mainly because they kept denying my loss mitigation packages. I even attempted to give the a deed in lue of after the bankruptcy and they denied that also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 received a copy of my credit report and there is an account with XXXX XXXX XXXX showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: FL

Complaint narrative:
I received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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 received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Back in 2005 we got a auto loan from Wells Fargo financial May want to look at our loan we also had a mortgage loan through Wells Fargo financial apparently went they electronically transferred our account to Wells Fargo Mortgage they claim lost a lot of our material saying we are behind on payments fought them for over a year with harassment and foreclosure papers many times stuck to are door very embarrassing so much stress and nasty people to deal with awful experience

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I do not know why this is back on my credit report because it was already moved as an unverified account due to fraud. I do not know who diversified Consultant 's is or what they do but I have written them numerous times and asked for very specific information and they are ignoring my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: PA

Complaint narrative:
I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Seterus reported that I was late on my mortgage on XX/XX/XXXX and XX/XX/2018, which was not true. I mailed the cancel checks to them in XX/XX/2018. I spoke with a Rep, XXXX XXXX he stated that he would correct the record and report it the credit bureau. This is did not happen! I called back in XX/XX/2018 and spoke with XXXX XXXX which told me that the letter to the credit bureau was mailed XX/XX/XXXX. This is still on my credit report to date. I just received a email from XXXX that my XXXX payment was not made or late. I called Seterus and spoke a woman named XXXX she told me that my payment for account # XXXX was put on my other account # XXXX, She corrected the payment and said she would again send a letter to the credit bureau. I have requested copies of these letters which I was told that they would be mailed to me. I have not received any letters from Seterus to date. Saturday XX/XX/XXXX I received a another letter stating that I was in default on my mortgage payment ( # XXXX ). Seterus is the worst company I have ever dealt with in my entire Life. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX was unfair and deceptive in its credit card practices towards me. Sending me bills on marketing products I didnt buy and was deceptive in their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: PA

Complaint narrative:
I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: PA

Complaint narrative:
I requested that this account be verified previously and it was removed from my credit report. I requested validation again and they are ignoring my request. Since when can an account be added back to a credit report with a different name and more inaccurates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Diversified Consultants, Inc.
State: PA

Complaint narrative:
They mailed me a letter. I mailed them two letters. They placed this account on my credit reports. I requested legally binding verifiable proof and they ignored all of my requests but still placed this account account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Merchant made unauthorized charge on my capital one credit card. Merchant saved my card in the square app as a recurring charge for a service that I canceled within the cancelation period. Merchant acknowledged this, and said he would dispute on my behalf and issue refund but did not. I contacted capital one credit card to let them know that this was a fraudulent charge, a charge that I did not authorize. Capital sided with the merchant and billed me regardless of all my supporting documentation from the merchant that I have in writing in the contract and text messages saying that the charge is unauthorized and that I am entitled to a full refund. Capital one is completely disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I canceled a service that required a {$4200.00} deposit for bathroom remodel. It was canceled within the cancelation period as stated in the contract and the merchant told me via text that I have a copy of that he has a 100 % refund policy. Merchant refuses to issue refund and told capital one that charges are valid and capital one sided with merchant. Attached are all supporting documentation. capital one credit card is not resolving issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Pentagon Federal places a 6 day hold on deposits that are made to a Premium Savings account even though the funds deposited were transferred from a Pentagon Federal checking account owned by the same person that are already collected funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trojan Professional Services, Inc.
State: DE

Complaint narrative:
I have disputed this debt in collections on my credit file several times. I have never received any information as to what this debt is for. I was not given a chance to rectify this before it was reported to my credit file. The credit bureau only updates my credit file stating the debt is accurate however the credit bureau nor the collection company has ever given me any explanation. Also I have no idea what Trojan Professional is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good day, To whom it may concern On XX/XX/2018 I paid to Chase the full amount of {$4100.00} and paid off my car. For some reason the person who took my call did not verify with me all the information a had provided to them about my bank. Two weeks later I received the title of my car. Then a week later I received a letter from chase saying my payment did not went through and that my account was open again. I call them gave my information again the person who answer me double check the information I gave them and my payment went through 3 days later. So when chase reported this to the credit bureau it hurt my credit and drop 29 points on my credit score. I should not be penalized on my credit score and I want those points back. If anything my credit should have gone up for paying the last 6 month in full. My score went from XXXX on XX/XX/2018 to XXXX on XX/XX/XXXX. May you please help me recover my points as I am looking to buy a house and I dont want to get higher rates because of my score drop. Both my credit bureau XXXX XXXX and XXXX  dropped. Thank you in advance for your consideration. 

Best Regards, XXXX XXXX Cell : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX Account XXXX I have never received a single letter from this agency ; however, I am now seeing this on my credit report through XXXX. Additionally, the amount that the agency is trying to collect is absolutely fraudulent. According to my healthcare insurer XXXX the patient responsibility on my claim is {$2000.00}. XXXX XXXX XXXX is reporting a debt that is completely inaccurate {$6400.00}. I had absolutely no knowledge that this was in collections because I had not received any correspondence. I do not feel that it is very ethical for the Law Office to try to collect more than the hospital is contracted to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX, we filed a property loss claim with our insurance company for roof damage. Prior to the property loss our mortgage company changed from XXXX to Flagstar. After filing the claim, we received the insurance check from XXXX XXXX for {$5100.00} for repairs to the roof. However, once we received the check we noticed that the check was written to both me and my husband and to XXXX instead of Flagstar. XXXX XXXX replaced the check with the correct mortgage company and notified Flagstar that the check needed to be endorsed. Flagstar requested information from us and we provided everything requested. Flagstar continues to hold the check for the last 3 months and continue requesting information from us that, again, we provided. When I contacted Flagstar by phone about the check they stated that the check was mailed. After a week, the check had not arrived. I contacted Flagstar several more times and they continued to inform me that the check had been mailed. When I mailed the check to Flagstar for endorsement, I sent a pre-paid envelope with it. I was told that the could not find the pre-paid envelope to mail it. Then I was told they could not read the tracking number on the XXXX label. I called the company over a span of two weeks or more and they continued to tell me the check was mailed. I received an email from Flagstar on XX/XX/XXXX stating that " the claim check has been endorsed and released and sent to you via regular mail to the mailing address on file. '' They had specifically told me last Friday, XX/XX/XXXX that the check was mailed in the XXXX ( prepaid ) envelope sent to them from me. This process has continued for 3 months and when I request to speak with a supervisor, I am always told " no supervisor is available '' or that they can put me on a call back list and the supervisor will contact me in 24 to 48 hours. There has not been a call from a supervisor from that company. We have a contractor that has been waiting for several months to repair the roof and the mortgage company keep holding the check and falsifying the fact that the have not sent the funds. 

I believe this company is committing fraud and should be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I called XXXX to initiate the process of having my PMI ( FHA MI ) removed from my account. According to my original loan agreement after 5 years, I am eligible to have my home re-appraised at MY expense to recalculate Loan to Value ratio. If the LTV is at or below 78 %, the mortgage insurance will be removed. So I called XXXX to start the process. I have since called 4 times over 2 months and they refuse to give me any information, refuse to respond to me. I can only speak with customer service, can't speak with a supervisor, nothing! Total lack of information. 
REMOVAL OF MY MORTGAGE INSURANCE IS MY RIGHT under the agreement and they refuse to honor it. 
Here is my telephone history : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX spoke with XXXX XXXX and emailed at XXXX ( no response ). Called XX/XX/XXXX spoke with XXXX XXXX and was only able to read back my email I sent. NO update info at all. No one else to speak with. I have no other option but to seek CFPB 's help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: FL

Complaint narrative:
experian credit report continues to incorrectly report XXXX credit card as over the limit. This information is incorrect and this card was paid in full 45 days ago. I have disputed this twice to experian and they keep coming back with the same balance that the card had in XX/XX/2018. Both XXXX and XXXX XXXX have updated their information correctly. 
They also continue to report a collection account with XXXX and associates which is not mine and has been removed from XXXX and XXXX as well. i have attached both accounts information as they still continue to report 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