vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/2014. On my credit report they closed the original account in XX/XX/2014 and re-opened another in the same month, placed it on my credit report and began reporting as charges office since that time. Ive asked the credit bureau to remove this account because it is past the statute of limitations yet, it has not been removed.

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 2022-02-14 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/2014. On my credit report they closed the original account in XX/XX/2014 and re-opened another in the same month, placed it on my credit report and began reporting as charges office since that time. Ive asked the credit bureau to remove this account because it is past the statute of limitations yet, it has not been removed.

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 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for a mortgage modification in XXXX of 2021. I followed all the instructions I was given to have my mortgage modified. The modification was approved, and I was sent documents to sign and have notarized. I did, and I returned the document as instructed. I called to find out why my modification was not process and they said that the notary did not include my full name so I would have to get the documents re-notarized. I did and sent the documents back within 2 days of finding out I had to have the documents re-notarized. About a week later I got a phone call from PHH Mortgage, and they said my load was in default. The representative to talked to me said there was nothing they could do because the denial letter had already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd

Complaint narrative:
i posted a request on a XXXX group of freelancers many inbox me for their offers among them i accepted XXXX XXXX XXXX for the job i checked his profile everywhere and he seemed to be indeed a very professional person with a good IT background so we started the deal and he requested me to pay advance to be on the safe side, i sent him {$20.00} on XXXX XX/XX/2022 as from then he told me he will start the work feeling something weird, i made out a plan to tell him i need the project asap until yesterday XXXX XX/XX/2022, he told me i will get the work at end of night at XXXX on XXXX XX/XX/2022, he messaged me on XXXX saying : " XXXX XXXX not well my health is too much down please search another developer for your project. 
And send me your account details I will transfer your money. 
And am not able to reply you am in high fever hope you understand Thank you '' i knew he finally managed to scam me out of anger we had a discussion and he blocked me saying he will not refund my money because we discussed the {$20.00} advance payment was made through the XXXX payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I WAS GOING THROUGH A LOAN MODIFICATION PROCESS WITH A LAW FIRM, WE HAD A HEARING ON XX/XX/XXXX, HOWEVER, THE BANK SOLD MY HOME AT AN AUCTION ON XX/XX/XXXX. 

THE BANK SAYS THEY TOLD THE LAW FIRM AND THE FIRM SAYS THAT SALE WAS POSTPONED, AT THE END I WAS NOT AWARE OF THE SALE UNTIL ANOTHER ATTORNEY TOLD ME ABOUT IT. 
I'VE BEEN AT MY HOME FOR 25 YEARS, STRUGGLING TO MAKE MY PAYMENTS, I WAS TRYING TO GET HELP AND I ENDED UP LOOSING MY HOME. 

NOW I AM WAITING FOR THE EVICTION NOTICE, MY SON, MY XXXX GRANDKIDS AND I DON'T HAVE A PLACE TO GO. I LOST MY HOME, MY EQUITY WHICH WAS ABOUT {$170000.00} DOLLARS AND MY CREDIT. 

I NEED YOU TO HELP ME, GUIDE ME WHAT TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I have sent a 609 letter a few weeks ago out to XXXX, XXXX, and XXXX. 
These credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA had an account appear on my credit bureau as zero/closed on a fraud account. Then they sent in removal of such account to the 3 bureaus. Now 2 days ago they reversed this and placed this account back on my reports. Legally this account will have to be removed in 2 months + 2 days from today even if they dont get this resolved. I have tried to call them and get this taken care of but they keep passing me from department to department. So, even if I dispute this and that takes 30 days by the time the dispute comes back we are down to 30 days left before it has to be removed under the law. They are not playing fair, they are ruining my financial picture over a fraud account they know is fraud and was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I have sent in a XXXX a few weeks ago and am filling a complaint against XXXX, XXXX, and XXXX This letter states if the collection company of the creditor has not responded, the company has to remove the item from your account. XXXX, XXXX, and XXXX are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
After a reinvestigation on XX/XX/XXXX Equifax reported a Chapter XXXX bankruptcy on my public record section of my credit report. Equifax reported that XXXX submitted the information. I have a letter from XXXX dated XX/XX/XXXX that states the bankruptcy has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: VA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: VA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX BXXXX  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 non-monetary relief
Consumer complaint received 2022-02-14 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : MEDICAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Alorica Inc.
State: TX

Complaint narrative:
Morning : A gentleman called and asked for a manager. I replied what is this pertaining to? He stated I am looking for " my name '' then he said a woman that is not me. I said no. Then he says is this " my name '' and I said yes. He continued to say he was a XXXX Processor and I need to deliver papers to you. I asked again what is this regarding? He states I am not able to discuss this with you, I am just the processor. I stated Please send me documentation to this address and I will contact them from there. He stated that they don't send mail. I proceed to say, but you will deliver it? He stated are you at " place of work ''? I said this is a business, do not come here and stop calling. I also said if you show up I will call the police. 

Afternoon : A women called and again asked for a supervisor. I asked yes, what is this regarding? She began to speak aggressively and said is this " my name ''? I said yes and she stated that we need to serve papers to you and I need to get your location to serve you. I stated well what is this pertaining to? She said I can not talk about it that is why I need your location and the processor will serve them to you. I stated that well the gentleman that called said he was just a processor and that you, NCO Financial | Debt Collection Agencies | XXXX, would be able to tell me details. I also stated that I would like this in paper and ail it to me and I would be happy to look over it and go from there. She messed up on her script and said we never send mail because of covid. I said so you personally deliver papers because of covid? I believe she was surprised that I knew what this was about because it isn't the first time someone confused me as the other person. She then started yelling uncontrollably and said that I was ridiculous and said that she will go to the CEO and she would not stop calling. I said you will stop calling and if you or anyone from your business I will call the police. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NC

Complaint narrative:
I am heir to the deed of my deceased mother 's home. Foreclosure proceedings begin in XX/XX/XXXX on a FHA Mortgage during the Foreclosure Moratorium period known as the Coronavirus Aid, Relief and Economic Security Act. The proceedings were ongoing throughout XXXX and XXXX. The mortgage servicer, FCI Lender Services , Inc., through its attorneys submitted misrepresentations to the court stating in its Coronavirus Compliance Certification that the loan was not a government loan ( see the Compliance Certification and Affidavit enclosed ). The affidavit asserts the affiant is a party of a servicing company called XXXX XXXX, XXXX ( no NMLS found or record they are a servicer ). The Court of Common Pleas in XXXX, SC used the Compliance Certificate and Affidavit to determine to transfer the case to the Master of Equity Court of XXXX XXXX, SC for foreclosure. The proceedings should not have begun prior to XXXX XXXX when the foreclosure moratorium ended for federally back loans. This process caused undue distress and the potential loss of my late mother 's asset during a very stressful period time of the pandemic. ( Dates are seen on the attached court documents ). 

Court of Common Pleas ( XXXX XXXX, South Carolina ) - Case no. XXXX Master of Equity Court XXXX XXXX XXXX, South Carolina ) - Case no. 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 2022-02-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express said I had a late payment on my credit report but I didn't and they wont fix it or help resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank have failed to provide consumer with an authenticated record of accounting to validate and verify alleged debt. This is my FINAL NOTICE to provide me my request for accounting. I have the right to an authenticated record of accounting which should be readily available to you as the custodian of records and/or the collective entity. 

Please note that this authenticated record must include ALL tax filings ( including ALL 1099 's, 1096 's and 1098 's ) ANY and ALL trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities associated with my financial record. 

Failure to act and/or comply will result in legal actions under Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief