vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: Innovis
State: OH

Complaint narrative:
I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX I had applied for a loan modification because I had fallen behind on my mortgage. I had contacted my mortgage company PHH and told then that I've fallen behind on my payments due to an injury that I sustained and needed XXXX. This process dragged on for several months until I was told that my case has been closed. 

I had reapplied for the modification once again and the process is still pain staking. I've been asked to send in the same documents over and over again. The frustration has gotten even more once I've found out that one of the mortgage rep. lied to me and told me that I, had a completed modification package. This phone call had taken placed on XX/XX/XXXX at XXXX XXXX and lasted 27 minutes. The rep. told me several times " I am looking at your package and it's stamp complete so you have nothing to worry about. '' It wasn't until I've called back several days later to get an update that I was told that I did not have a completed package. If I would have known that I didn't have a complete package I would've made a payment. Now several days later I'm 90 days past due. To make matters worst It was confirmed on XX/XX/XXXX that I had a complete package. Today ( XX/XX/XXXX ) I've called again to check my status and was told that it's still under review and that can take up to 30 days. I was told that I would need to pay 90 days of payment now. I've asked the rep. that if my account is under review could I wait until the review is over. I was told I can depending if my house is not in foreclosure. It's my understanding that if the mortgage company have a complete modification package and the modification is under review, then the can not foreclose. 

" No foreclosure can be instituted until 120 days have passed from the first delinquency. More importantly, if a complete loan modification application has been submitted to the the servicer by the 120 day point, no foreclosure can be begun. Reg. X 1024.41 " Can someone help it's been a nightmare dealing with this company. They quote is " We're here to help home owner '' I can not see that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a merchant account with BOA in XXXX. My account was closed with an excess of {$43000.00} being held due to risk management. I was told by XXXX ( in security ) that my funds will be released after XX/XX/XXXX. She also provided me her phone number to call after 90 days XXXX. I have called over 35 times and left 15 messages and I can't get a return call. At this point its considered stealing.

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 2020-03-12 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: FL

Complaint narrative:
After trying for 2 months to settle a billing dispute with XXXX XXXX I was left with no option but to contact Capital One to charge back the amounts by phone on XX/XX/XXXX. On XX/XX/XXXX I again contacted Capital One by phone because I had not received any confirmation that that the chargebacks where initiated. After an hour they finally confirmed the chargebacks where filed but there was no assurance XXXX XXXX   would not be able to continue charging my account even though the card was cancelled. Then when I asked to completely close the account they told me if I closed my account they would not pursue the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It

May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that i
naccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible :  USDOE/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible :
USDOE/XXXX   TransUnion LLC XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. The following information needs to be verified and deleted from my credit report as soon as possible
: USDOE/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 2020-03-12 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Someone used credit card checks that were in my name for a credit card I paid off and closed XX/XX/XXXX by signing my name and cashing checks according to credit card company. I explained to card card company this was fraudulent & that I didnt signed or authorized anyone to use checks. Once I became aware I reported to the credit card company and my local police in XX/XX/XXXX Nonetheless, credit card company continue to pursue to collect and finally took me to Court in XX/XX/XXXX and case was dismissed by Judge in XX/XX/XXXX Credit card Company will not report the correct updated information. Company continue to report to Credit Bureau account as charge off account since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
From late XXXX ( maybe XX/XX/XXXX ) through early XXXX ( maybe XX/XX/XXXX ), Comenity Bank -- via XXXX XXXX -- harassed me in a way I have never experienced from a debt collector. I've attached 40 screenshots just from my phone from the various numbers they would use, of which approximately 1/3 to 1/2 were from blocked numbers, which I understand to  be illegal. Oftentimes, they would call back to back, five times a day. I did not collect these screenshots, but they would often call my husband, too, at XXXX. 

I do not traditionally answer unknown callers because I have a dangerous stalker situation and that person was known to call from unknown numbers. However, they had not done so for over a year, and suddenly, this arose. Obviously, at first, I thought that the unknown numbers were them trying to call me, intermixed with the debt collector trying to contact me as well. 

For a variety of reasons, all of my incoming and outgoing calls are automatically recorded as Missouri is a one party consent state and I am diagnosed with memory impairments. Finally, one morning when I had gotten something like 4 or 5 unknown calls back to back, I decided enough was enough and picked up my last unknown call. I was absolutely floored when it was not my stalker, but a representative of Comenity Bank. That recording is attached. 

The calls have stopped since then, but obviously, XXXX and Comenity Bank are well aware that these actions are illegal. They were just " banking '' on not being caught. These laws exist for a reason, and these attempts caused me considerable distress that flared up some old wounds. As I understand it, a board member for XXXX XXXX is responsible for the creation of XXXX XXXX. I am deeply disappointed that such a prestigious company would be involved in such low-level debt collecting practices, particularly when our bill was due on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
Back in XX/XX/2019 I called about changing my plan from income driven to a graduated plan where the payment gradually increases. Was told that they could and it would take 5-10 business days to go in effect. I called a few more times and was ultimately told wrong information. In fact it wasn't until mid XXXX that I was told that I had to make 3 consecutive payments on time to switch plans. My loan was almost in default - after much back and forth the rep told me if I made XXXX payment for 3 consecutive months on time that I would be able to move to the graduated plan. I would need to call them immediately after the third payment was made. This Month after I made the third payment on the XXXX of XXXX, I was told that it would take 5 business days to take effect. I called after the 5th day and was told that it should be any day now. I waited a few more days and called again and was told the same thing. I called again and was told they would expedite the request and was assured it would go through. I called today and was denied because I had a 'forced income driven plan ' and my account had to be in good standing to pay three consecutive months. THIS IS UNACCEPTABLE! Because I was told incorrect information twice I am in danger of defaulting the loan because I can not continue to pay XXXX a month. I feel like I'm being scammed. I spoke to the supervisor and he could not help and said there was nothing he could do. He kicked it up to another level of management but I feel I'm going to get the same story. I need help and feel helpless here. I feel like they should honor the request because it is not my fault I was given bad information - I feel like the reps are not trained properly to help people. I really need to have these lower payments and feel like they should honor it by changing my payment plan because I made 3 on time consecutive payments. I feel helpless here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CSO Financial
State: OR

Complaint narrative:
Received a garnishment notice from my employer with no previous notification. Attempted to contact CSO Financial INC and have gotten no reply. Filed a challenge with the court for failure to notify. Court records indicate that CSO Financial informed the court I was served, but address and spelling of my name was incorrect. I have had {$400.00} taken from my paycheck with no information on what or why. I check my credit report often and have no outstanding debts. I am assuming this is a mistake or fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit
report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible :  USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/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 2020-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2020, I paid off the balance of my Bank of America credit card. On XX/XX/2020, they took an extra payment out thus showing a balance owed back to myself. I called on XX/XX/XXXX, and spoke to a representative to process a reimbursement for the overpayment. I was told it would take 5-7 business days for reimbursement. I called again when I realized that they took interest charges out of the overpayment and was told that the payment was in process and we should see the amount paid back by Friday XXXX. On XX/XX/2020, I was told that the process has been approved just yesterday for refund and can take 21 days to be returned. This is unacceptable!

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 monetary relief