vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
ftc violation don't even have an account with them or 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 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We submitted a complete loan modification package with Ocwen Loan Servicing on our home mortgage. The response we received from Ocwen on XX/XX/2019, was a blanket denial stating that " The owner of your loan does not allow modifications. '' We know this not to be the case. In fact, the owner of our loan, XXXX XXXX, does allow modifications. While certain of its securitized trusts may have investor restrictions, a waiver can absolutely be granted if requested. Yet to our knowledge, Ocwen failed to request a waiver so that our package could be considered on its merits. We are both gainfully employed, demonstrate sufficient income to resume mortgage payments, and would welcome the opportunity to bring our loan current and save our home. It is worth noting that XXXX Co of  XXXX XXXX once remarked in a XXXX article that waiver requests from servicers " never happen. '' XXXX XXXX XXXXXXXX We would greatly appreciate if the CFPB would look into this matter for us and assist with our appeal in any way possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
ftc violation don't even have an account with them or 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 2019-04-25 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: TX

Complaint narrative:
ftc violation don't even have an account with them or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
The private loans have co-signers on the account. Navient continues to give inconsistent information to both myself and the co-signer. They are not being helpful with payment arrangements that are fitting for my budget. In 2018, I was enrolled in a program to become a XXXX  and I was working as a XXXX. Late payments and missed payments were still reported. I was XXXX  in a XXXX XXXX XXXX   as well and did not receive any information regarding forbearance, deferring nor possible forgiveness. These loans were given to us and the terms and conditions were not clearly explained nor understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX I made a XXXX purchase for vintage clothing that was to be shipped to me immediately after purchase in the amount of {$130.00} with the description for clothes. The merchant never sent the items and I sent a XXXX XXXX request for the amount I paid which was rejected. 
I contacted the merchant several times with no response for a refund ( email and social media which I can furnish proof ) Ive since filed several claims with XXXX and each time has been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX thats as far as i could go on my phone but there are several more ). I also filed claims with my funding bank ( PNC ) on 2 occasions which were both denied as well which i truly dont understand. I dont think its fair that its going on 7 months and both PNC and XXXX continue to give me the run around on processing this fraud request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: UT

Complaint narrative:
In XX/XX/XXXX, I received a letter from Commonwealth Financial Systems , Inc. dated XX/XX/XXXX attempting to collect on a debt with CFSI account # XXXX ( original account # XXXX XXXX ) for {$1800.00}. I quickly sent a letter via certified mail which was delivered on XX/XX/XXXX with USPS tracking number XXXX saying I believed this debt was not mine and requesting proof of the debt. I specified that under the FDCPA, they had 30 days to comply, and that I expected this debt to be deleted from my credit reports if they didn't. It was completely removed from my credit reports, so I believed them to have fixed their errors. However, this month, I received another letter from them dated XX/XX/XXXX attempting to collect on the same debt, except this time it is under CFSI account # XXXX. It is clear that this company refused to follow federal debt collection laws and is simply attempting to collect once again on an illegitimate debt under a different account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Hi. I hope all is well. I am writing this letter because I need your assistance in my situation with XXXX XXXX. I have applied for a student loan ( Smart Option ) and have been denied despite of having immaculate credit and high SCORE. XXXX XXXX apparently requests a cosigner but the point is that that I have always been taking care of my own issues and never relied on anyone. Age wise I am young but I am very independent, responsible and as I said I have always taken care of my issues myself and have always been successful. I am very persuasive, persistent and conclude everything that I start. I never leave anything halfway through. I dont understand some policies of XXXX XXXX. Student Loan is for people who are young and want to build a currier for themselves, If somebody has enough income to support a medium or big size loan ( As XXXX XXXX Requests ) why he or she should go to school and create a debt??!!! 

I am very anxious to obtain a loan and create a good future for myself and of course with your assistance I will achieve that. Federal Equal Credit Opportunity Act is very clear about loan issues and I believe XXXX XXXX is in clear violation of the said act when they request cosigner for no particular reason. Please assist me to resolve this issue of loan because I am very anxious to start my classes. I am already late due to this tug of war with XXXX XXXX. 

XXXX XXXX already placed TWO credit inquiries within my credit reports and these inquiries created an impossible situation with other lenders. Other lenders do not see the inquiries very favorable and most probably will deny my demand and if they place their own inquiries in my reports there will be further damage to my credit scores and as a result I will be damaged directly. 

I look forward to a positive outcome and if you need further information please do not hesitate to contact me through this email. 



Best Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems Experian and XXXX are still reporting the following fraudulent items on my credit reports : EXPERIAN FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX   XXXX Acct # XXXX XXXX  FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX FRAUDULENT INQUIRIES AN XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.

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 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX   XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX  was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
What happened was that my phone was stolen and someone has been transferring money using my mobile app. He did {$1000.00} and {$1400.00} on XX/XX/XXXX, two {$2500.00} on XX/XX/XXXX, and two {$1000.00} on XXXX XXXX were transferred to an account that I do not know. However, I have received none email notifications about adding someone new to my XXXX account 's contact or sending the money. The only email that I got was from XX/XX/XXXX at XXXX about sending {$2500.00}. In addition to that, I have not received any text message verifying any of the transactions. 
I went to Bank of America on XX/XX/XXXX to freeze the account and to file a fraud claim. The claim number is XXXX-XXXX, issued on XX/XX/XXXX and closed on XX/XX/XXXX. I got the result back - a letter saying that upon their research, they have determined that they are unable to honor the claim because they think that I gave authorization to whom transferred the money. I here claim that I did not authorize anyone to access my bank account, the money was stolen from me And I did not receive any email or text messages for the earlier transfers out of my account from Bank of America for the illegal transfers. I feel this slack on part of Bank of America made me lose the money from my account.

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 2019-04-25 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: FL

Complaint narrative:
My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems XXXX and Equifax are still reporting the following fraudulent items on my credit reports : XXXX   FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX EQUIFAX FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX EQUIFAX FRAUDULENT INQUIRIES XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. Equifax is also reporting 30, 60, 90, 30 for late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however XXXX is reporting 90, 30, OK, OK for payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Need to Delete XXXX XXXX was told by XXXX XXXX this account was closed as XXXX and would be deleted

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