vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 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:
I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have spent countless hours on the phone with this credit card company about the fraudulent activity that has been reflecting on my account for sometime now. Back on XX/XX/2017, I paid the balance of {$3200.00} off in full and another payment of {$11.00} on XX/XX/XXXX which would take care of the entire balance of this account. I knew I would be going overseas so I didn't need any issue with the account or my credit while I would be away for so long. Fast forward to the very same month someone has used my card or information to purchase various unauthorized items. This goes on again a few month later and this point I asked Capital One to place a hold on this card so no other fraudulent activity occurs. While trying to get this taken care of I was advised that the determining factor in which my fraud claim was denied was because a package was mailed to my residence but there was no signature of the package being received. I advised the manager that if someone stole my information its not that hard to have a package delivered to someones home in hopes of them not being there when the package is received. The email address that was attached to the purchase didn't even belong to me and there was no trace to the owner. I have even disputed this information with the credit bureaus and provided proof of my complaint with the FTC and this claim has still been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one kept calling my husband AND gave him MY information without my permission. They said they were going to file a judgement, gave him everything single detail of my account. 

XXXX credit card did the same exact thing. Also, my husband keeps getting telephone calls about my debt. I think that they should compensate me just for the aggravation that I have endured!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I received a notice from magistrate court regarding a lawsuit that Bonneville Billing and Collections had filed. The document alleged that my wife and I both owed money for goods and services provided by XXXX XXXX XXXX. It further alleged that multiple attempts had been made by Bonneville to contact me. 
Nothing can be further from the truth. I have not received any correspondence or even one phone call regarding the alleged debt. They also included my wife on the lawsuit whom had never had any dealings with Bonneville or XXXX XXXX  XXXX. Bonneville claimed that they purchased the debt on XX/XX/2018 and were entitled to interest even though there had never been an agreement with myself or my wife that we would pay interest. Furthermore, the instance in question had been paid in full between my copay and my health insurance. According to the FDCPA, debt collectors are not allowed to contact family members regarding a debt. However, isnt that a violation when they add my wife to a bogus lawsuit? I believe that this was a carefully orchestrated scam perpetrated by Bonneville and their attorney of record, Bankruptcy Attorney XXXX XXXX, XXXX and XXXX of XXXX, Idaho. I believe that they have done this before and will continue doing this. It is illegal to lie in a complaint for a lawsuit, yet they did just that when they stated That due demand pursuant to Idaho Code 12-120 has been made upon defendant more than 10 days prior to filing of this action. And also That defendant refused or neglected to pay to Plaintiff the above mentioned sum despite demands made by Plaintiff. 

Bonneville Collections, who was the Plaintiff in this case, never once attempted to contact me, or my wife, the codefendant. 

This is a carefully orchestrated scam and they did not count on me disputing this. The lawsuit has been denied with the Judge entering a judgement for me, the defendant. 

Being as I have been completely honest about this case, I do believe that a business as well as their attorney representing them, should also be held to the same standard of honesty. Please see the attached documents supporting what I have said in this complaint. I have also included photos of the info from my health insurance website supporting my assertion that the doctors visit was paid in full with nothing being owed. My only hope is that they are not allowed to find vulnerable people and do this to them. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MacDowell & Associates, Ltd.
State: CA

Complaint narrative:
I recently discovered an alleged judgement filed against me from The Law Office of Macdowell and Associates on behalf of XXXX XXXX XXXX XXXX. This is very frustrating and concerning because according to the law office they sued me in XX/XX/2011. 
I have never ever been served with legal paperwork or notified about this legal matter. They are now more than doubling the alleged debt and attempting to collect {$25000.00} from me for a vehicle I never even had. This vehicle was my brothers truck whom I lost communication with years ago. I can help them find the truck if they wish or if they would have reached out to me, but to file a lawsuit against me and not even notify me is extremely abusive and seems like an attempt to inflate the debt. 
I contacted both XXXX XXXX XXXX and the Law Office of MacDowell to try to get a reasonable explanation as to why I was never personally served. I was met with an extremely disrespectful debt collector who belittled me and attempted to insult me for having such a large debt. Well I certainly would not have a large debt if they didnt sue me in secrecy and allow it to accrue interest for 8 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: DE

Complaint narrative:
I have received between 5 and 10 calls, every single day for months. I have asked that they stop calling my cell phone, since they are calling so much and the calls just increased. Some of the calls, when answered, just sit quietly and hang up after a minute or so, others they answer the phone screaming and then when you tell them you don't appreciate being called 10 times a day they tell you to " get over it. '' They also call from a different, but similar, number every single time, so trying to block the numbers won't work either. Tonight, I stated that I was going to report them and the woman laughed at me and said " like the government would take the side of someone who owes money over the ones putting money in their pockets. '' I understand I owe a debt, I have lost my job, I have properly communicated this information with XXXX XXXX   per my signed agreement, yet they are literally harassing me all day and night, every single day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has failed to deliver any solution to my financial hardship and I would add Failed miserably to deliver minimum standard to Help homeowner is what we do according to their motto 1. It took Ocwen over 4 months to complete my loan modification package by demanding income info, only to reject the modification and add salt to the wound by telling me that gross income is N/A not applicable???? 

2. Loan repayment, I requested a repayment plan as my income is increasing from current monthly {$4500.00} to be {$6000.00} in 2019 due to my efforts to complete renovations and upgrades against all odds and rent the rentable portion of the property despite ZERO help from Ocwen The total amount Ocwen is demanding on a 5 month Hamp approved modification mortgage payment of {$1300.00} is 12,000..!! 

{$1300.00} x 5 = {$6800.00} the rest is misc, fees, and escrow which is 50 % of the total amount demanded and of the {$12000.00} only {$2000.00} is towards the principle payment. The remainder is pocketed by Ocwen with the exception of tax and insurance 3. I spent 4 months with auditing the account and after receiving no valid response, I was forced to file an official complaint with the Consumer Financial Protection Bureau, then I started to receive responses I have proven that Ocwen has a consistent pattern of questionable transactions and discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On equifax they have this address on the report and i never live there XXXX XXXX XXXX XXXX XXXX, MI XXXX And theres a couple hard inquires one of them from XXXX  XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 

XXXX XXXX they put a account under investigation and they found out its a fraud and they promise me to remove everythings from the report they remove the account but not the hard inquires And theres another companies XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 




XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 



XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 




XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 


XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX  XXXX. 

And as you can see there is two inquires from the same company in one month I only have two credit cards one from XXXX XXXX and one from XXXX thats all the credit i have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am trying to stay on a rate reduction program because my monthly payment is XXXX My student loans got out of control when my school closed and did not return the money and i started to deffer my payments which only added capitalized interest. I need help because my schools closed before i could finish XXXX school and did not return the loan money to the school. All the money was disbursed to the school first. The school was XXXX college of XXXX  in XXXX, CA. I need help with a possible discharge and lowering my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.

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 2018-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for A Lowe 's Synchrony Bank card I was denied based on information in a report from XXXX. XXXX XXXX, in which the reason was withheld from me, along with the 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 2018-12-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} I disputed this amount. I was never at the hospital. I asked for documentation. None was provided.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied a card with XXXX XXXX 's. In the denial letter it deferred to " information used in report '' furnished by TU Consumer Relations. I am asking for the report and what was furnished to XXXX to deny me credit.

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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 2018-12-13 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer 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 non-monetary relief
Consumer complaint received 2018-12-13 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: NV

Complaint narrative:
all three credit bureaus have incorrect information.i am uploading the discrepancies

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 2018-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Checkr, Inc
State: LA

Complaint narrative:
My report showed XXXX  XXXX-XXXX  XXXX XXXX thats incorrect..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
all three credit bureaus have incorrect information.i am uploading the discrepancies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: NV

Complaint narrative:
all three credit bureaus have incorrect information.i am uploading the discrepancies

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 2018-12-13 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA

Complaint narrative:
On XX/XX/2017, I received a derogatory mark on my credit report from the American Adjustment Burea of {$310.00}. I've attempted to clear the negative remark on my report for it is hindering my ability to open accounts and I was not sure where this bill was coming from. I would like to address this immediately. I want to clear the negative remark by paying the balance or having it be forgiven. I was unaware of the implications and I am in a tough financial situation right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer 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