vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Constar Financial Services, LLC
State: TX

Complaint narrative:
Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with XXXX for a car I co-signed with my son. He went on to explain to me since I have a current car with XXXX, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current XXXX account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/19 something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
It has taking about two weeks to finally receive a copy of my consumer report from Early Warning. I looked over the report and saw that there are two inaccurate accounts being reported on the consumer report and there are a large amount of inquiries from various banks. Two years ago I asked them to put a freeze and a security freeze on my consumer report to stop this but apparently they didn't abide by my wishes and I again have fraudulent reports on my consumer report. I sent in a dispute on XX/XX/19 and today XX/XX/19 I received a letter from Early warning stating that the dispute that I sent over will not be recognize as a dispute because each item you dispute must have a seperate dispute letter. I am livid because it is always something with this place that keeps you from being able to dispute or obtain your consumer report in timely manner and also in the manner that you want to receive like via email. Please just remove the two items that I requested to be removed and put the alert on the report and stop with all the deflections and nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Today I received a package in the mail. Someone had ordered merchandise from XXXX and shipped it to my name/address. When I when to XXXX to track the order with the order number I found that the order was placed with a VISA card in my name. The last four digits of the VISA card are not any of my personal cards, but someone used my name/address/my mom 's cellphone number as the contact information to open a VISA card. 

I called both of the banks that I use, and I called CFPB. They recommended that I look at my credit report, freeze my credit reports, file a complaint against VISA, and file a police report.

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 2019-10-15 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-15 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 2019-10-15 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
i recieved a phone from miss XXXX XXXX verifying me by my last 4 social the i asked her what this was concerning she said a student loan debt from XXXX She then proceeded to tell me that student loan debt is never over and they would have me served a summons if i did'nt comply.. i asked about the statue of limitations on private student loans and she got very angry and said she just have me served a summons and hung up on me.. Of course i became afraid she also called my job and they called me ... i was told by miss XXXX they could garnish my wages and take my taxes.. i was called from these numbers XXXX and XXXX i just want to know if this is legit and if there is a statue of limitations on private school loan from 20 years ago thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I have made several complaints and sent in all requested information to this company and they still are reporting inaccurate information on my credit reports! This company is using an inaccurate social security number on these alleged medical bills. Transfinancial Companies has continued to report the accounts in the amounts of {$940.00} and {$330.00}. This is outrageous that this company has been allowed to continue to deface my credit report with incorrect information. This is against FCRA rules and regulations and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am being sued by XXXX XXXX and Pressler for an old debt that I have no evidence that it even existed. They harass and threaten. They have no original paperwork, no papers of payment, no papers of default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: MA

Complaint narrative:
XXXX XXXX  had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by XXXX which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this XXXX forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!

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 2019-10-15 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 am requiring to remove wrong account XXXX from my credit report. I have no idea why this account showed up on credit report, because I never applied for this credit card and never received any credit card. Please investigate this problem and remove this account as soon as you can. I recently contacted XXXX XXXX and they does not have any information about transactions. I do not want that account which do not belong to me being in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
1. XX/XX/XXXX, I spoke with Wells Fargo mortgage rep, named XXXX, XXXX, ext, XXXX. She confirmed that my mortgage payment would remain the same, ( {$1200.00} ) from XX/XX/XXXX to XX/XX/XXXX. This was related to the escrow buy-down, I paid on XX/XX/XXXX, for {$410.00}. 
2. XX/XX/XXXX, an escrow analysis was generated for a shortage due, {$300.00}, due before XX/XX/XXXX. I called WF & advised of the payment arrangement given on XX/XX/XXXX. Their response was the agent made a mistake in calculation & will not honor it. 
3. If WF made the mistake, I should not be penalized. I am requesting that the mortgage payment stays at {$1200.00} till XX/XX/XXXX as arranged. 
4. Another major issue is that WF discontinued the escrow " buy-down '' process. This had helped in the past to control the payment, but now is discontinued. 
5. Wells Fargo is not customer friendly at all. I am just a number, & I have prefect credit with all my WF accounts. When a supervisor says they will return my call, they don't & never answer when calling their extension. WF is not interested in helping with my payment, which is very important 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 2019-10-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I noticed a new auto loan pop up on my credit report that I did not approve. I contacted XXXX, which I was employed with at the time and found out that they sent in paperwork for a customers vehicle in my name. I quit, filed a police report, and ftc report within a few months of the incident. I contacted WestLake FinanciaXXXX and they were unwilling to accept all of the documents that I have submitted to them. I have been ignored by the main contact that has been assigned to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: Ocwen Financial Corporation
State: IA

Complaint narrative:
Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and  are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Mr Cooper had a mortgage for my parents, they passed, has the executor I sold their home and funds were owed to the estate that were escrow after the house closed. Mr. Cooper acknowledged they owe the estate but still no funds this house was sold XX/XX/2019 and it is XX/XX/2019. I understand there are three checks one {$600.00} and the other two around {$25.00}. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I have contacted my mortgage company XXXX XXXX on several occasions regarding my credit bureau report. They are not showing an open account and haven't been reporting my payments over the last two years. My last call to them was on XX/XX/2019 and I spoke to XXXX who advised that he would escalate my concern and I should expect a response with 24 hours. I have yet to hear back from the company. I am never given the opportunity to speak with anyone else but the representative that answers the phone. All other customer concerns have to be done via email. This is causing much distress as it is effecting my credit score among other business dealings.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: C/C Financial
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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