vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
At this point XX/XX/2019 I would like CFPB to a full investigation, started from the source ( 1 ) .XXXX  XXXX XXXX XXXX , then ( 2 ). E-OScar then ( 3 ) the credit bureau. By process of illumination, I now believe that E-OScar is responsible for distributing incorrect information, to the bureaus. This XXXX XXXX  account XXXX has never been reported correctly for the last 5 months in all three XXXX, XXXX, EXPERION. 
Look at the attachments you will see the proof!.

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 2019-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I rented vehicle from XXXX in XXXX, GA, with return to XXXX, FL ; and that was about 3 months ago, and upon returning it to XXXX offices, we went through the gasoline and in and out of the vehicle, and all was satisfactory. 
Only to find out that they claimed to have contacted me and that there was some damage in the vehicle, and sent my name to the collection agency. 
That is UNACCEPTABLE practice as they have my email address and my secondary number, which they have never used, and also why are they contacting after I returned the vehicle in good condition? when does the contract end? what if the person who damaged is their employee and happened to do that after I left? 
This is VERY UNACCEPTABLE practice, by both, XXXX XXXX XXXX and their collection agency ( Transworld Systems Inc, whom already have some scandals as per info on CFPB website ). 
Please check these companies further as this is not the way customers should be treated. Never.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: GA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for 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 non-monetary relief
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XXXX of 2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as experian, XXXX  and XXXX are not updating their reports, please help to have this inaccuracy updated from the reporting agencies 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 2019-12-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX  and Exquifax are reporting my Credit Score as XXXX and it should be 640. The reason for this error is they Dicriminate again XXXX Americans. If I was XXXX my Credit Score would be XXXX with the same information. XXXX  and Exquifax are used by XXXX XXXX  Companies to Discriminate against XXXX Americans. I want a Full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number 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 2019-12-12 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: AmeriCollect
State: DE

Complaint narrative:
XXXX  Unfortunately after the results of an investigation into HIPAA violations, XXXX  continues to report these violations on my credit report. AMERICOLLECT, the company in violation has placed the burden of correcting and updating my credit report squarely on XXXX. I am including in this complaint, AMERICOLLECT 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on XXXX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I was checking my credit score today and I saw some Enhanced Recovery Company has opened a collection account on my credit report on behalf of XXXX XXXX XXXX XXXX which caused a drop of 20 points due to a collecting account been opened on XX/XX/2019 stating I owe them XXXX dollars as a debt. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt. Today I called the Enhanced Recovery Company and talked to the agent XXXX XXXX. She looked up my name along with my last 4 digit social security number my area code and the city I live in she still couldnt locate me in their system. I filed a similar complain against XXXX XXXX XXXX XXXX in XXXX when XXXX XXXX tried to collect the debt of same amount I dont owe to XXXX XXXX XXXX XXXX and they removed the collection account. This is the second time XXXX XXXX XXXX XXXX is illegally destroying my credit score. I request to immediately remove this collection account from my account and restore my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A tax refund from the State of California, Franchise Tax Board was deposited by ATM on XX/XX/19 into a joint account. The check was properly endorsed by both myself and my wife, the co-payees. Bank of America immediately placed a hold on the funds ( many thousands of dollars ) on XX/XX/19 and refused to make any of these funds available until XX/XX/19. The person I talked to at BoA said that the hold was placed because this check, from the State of California, would not clear. Futrther, the deposit receipt on Sunday XX/XX/XXXX states, without any basis in fact, that " specific information indicates item may be returned. '' This is all FALSE. Rather it seems clear that BoA kept these funds for an inordinate time for its own use and benefit and likely has a pattern and practice of doing so.

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 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: CA

Complaint narrative:
This debt is illegal and invalid. Landlord/collection never contacted me ( guarantor ) by mail. Landlord/collection never provided itemized list of repairs. Landlord never provided depreciated value of property. This is required by law in order to collect on debt and must be provided within 3 weeks of move out. Despite several requests to do so, this was not done. Landlord can not expect to collect on an arbitrary amount. It is my opinion that the carpet that was damaged was already depreciated to {$0.00} and therefore the damage to it is {$0.00}. Instead, they insist that is is more without provided legally required documentation to prove their value. Collection agency proceeded to report this on my ( guarantor ) credit report with ZERO contact with 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 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the attached letter is regarding a XXXX  XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, XXXX  and transunion are not updating their reports, please help to have this inaccuracy updated from the reporting agencies 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 non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the attached letter is regarding a XXXX XXXX XXXX auto loan account i have and making payments on on time with out any delinquencies, the creditor XXXX  XXXX XXXX has reported an inaccurate late payment delinquency for the XX/XX/2019. 
please find attached the letter that after discussing this with them they have changed their decision and made update on the account, but the bureaus such as XXXX, equifax and XXXX  are not updating their reports, please help to have this inaccuracy updated from the reporting agencies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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 recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED 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 2019-12-12 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 recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. PLEASE SEE ATTACHED POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NV

Complaint narrative:
on XX/XX/XXXX the account # XXXX WAS OPEN and the amount of {$1500.00} was sent to collection THE LASS UPDATE WAS ON THIS ACCOUNT WAS ON XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TN

Complaint narrative:
On XX/XX/2019. There was an allocation of funds in the amount of XXXX from my XXXX card into my bank. The routing number was NOT to my bank. I have contacted the bank in which the way2go website reflected has having received the payment. They advised the payment was rejected and sent back. I have tried multiple times to contact the way2go program card with no luck to find out where the money is currently sitting. I am unable to get in touch with a representative to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: GA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for 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 2019-12-12 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: GA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I never applied for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was looking to sell my dining table which I posted on XXXX. I was contacted by the buyer looking to do the transaction. She had some odd buying instructions but I didn't think too much about because it seemed like she was buying a few items too be shipped together by a moving company. She sent me a cashier 's check for {$1900.00} which she told me a part was for me to pay the movers. This was deposited on XX/XX/2019. I did think this was odd but the cashier 's check cleared quickly. To pay the movers, {$1600.00}, she asked to use XXXX pay through my Chase bank on XX/XX/2019. It was weird but this didn't set off any alarms for me as I believed Chase would compensate if anything were to happen. Little did I know, this was not the case as in their words, " I made the transaction on my end, and accepted it. " SO both XXXX and Chase will do nothing to help in recovering the money or protect me from the scam. The cashier check then got returned XX/XX/2019 which is why I am writing this as i thought this was odd and went to go deal with this today at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: GREAT LAKES
State: TX

Complaint narrative:
I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have order a software through paypal merchant with XXXX XXXX at XXXX and And paypal payment went though as family and friends payment and it was supposed to be for service and goods and I have not received the software that I have ordered I have call paypal to let Them know and try to file a claim and get my money back paypal attitude has been nasty and disrespectful I have been told off saying that they mistake was my fault I have been put on hold for hours and hours I have even been hung up on I have even try to email XXXX To tell hIm what happen and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We have been having issues with Ocwen/PHH Mortgage since XX/XX/2019. We have attempted to wire transfer the original agreed upon reinstatement amount in XX/XX/2019, however it was returned. After speaking to someone there who informed me that it went to the wrong account and they would ensure that it would be deposited to the right account and we could continue our regular monthly payment in XX/XX/2019. Unfortunately that wasn't true each month that we've submitted our monthly payment it has been returned. I have attempted to send the reinstatement amount again and it was refused and returned. I have spoken to numerous personnel and each time I continue to get bad information along with wrong names and phone numbers of people to contact. I continuously called the XXXX XXXX XXXX who are the foreclosure attorneys and they keep referring me to Ocwen/PHH Mortgage. I have all of the documents that I've submitted since XX/XX/2019 along with copies of the retuned payments. They provide misleading information in their letters and I try and contact them with very little success. The reinstatement amount has gotten so high that there is no way for me to pay the required amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation