vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello. In XX/XX/2018 I paid off the entirety of the principal balance for my car loan. I have some lates fees that I couldnt afford to pay at The time and I was Told that this would not impact my credit. I saw I had a XXXX XXXX Balance so I immediately made a payment of XXXX XXXX to pay any principal Balance left and only leave any late charges. I noticed on my credit report that there was a XXXX day late from Wellsfargo dealer services. I spoke with them today on XX/XX/2018 and the told me that this will continue to report until they are paid off. This what was not what I was told and I need this removed from my credit 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 monetary relief
Consumer complaint received 2018-12-10 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: PA

Complaint narrative:
In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2018-12-10 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: PA

Complaint narrative:
In the month ofXX/XX/2018I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Parties : Ocwen LLC and XXXX XXXX XXXX. 
Jurisdiction : California Issue : Ocwen/XXXX XXXX cancelled my HAMP modification agreement, a program regulated by the U.S. Treasury and HUD that expired in XX/XX/2016. 
************* Background : I applied for a HAMP Loan Modification in XX/XX/2016. 
Ocwen approved my application and sent the HAMP Agreement for signature after I had met the required trial payments. I signed and returned the Agreement to Ocwen in their own postage-paid envelope, completing the HAMP modification process. 

I made 3 additional monthly payments on my modified mortgage. Then in XX/XX/2016 Ocwen cancelled the HAMP Agreement citing bogus reasons that they had not received the signed agreement. I sent them my copy of the signed agreement but Ocwen refused to recognize we had concluded a contractual performance and had a binding agreement. 

Ocwen then refused to apply the 3 mortgage payments to my account that were made post the modification period and suspended those payments into a " Suspense account ''. Ocwen also refused to accept any subsequent mortgage payments and began foreclosure on my property. 

In conclusion : I applied to the HAMP program and Ocwen offered to modify the loan, I accepted the terms of the modification and made the required trial payments timely ; Ocwen accepted and received the trial payments and credited my account. Ocwen sent a written HAMP agreement for my signature and I signed it and returned it in their own envelope as instructed. We had an offer, consideration, acceptance and performance of the terms of the HAMP modification. 

Ocwen sent a letter dated XX/XX/2016 stating that the modification had been " Denied '' the use of this language is inapplicable because the modification had been accepted and fully performed and the event had concluded and therefore it could not be " Denied '' after all the terms had been performed timely and accepted by Ocwen and myself. The letter used the term " Denied '' to communicate that they were CANCELLING the HAMP contract. 

Ocwen continued to misapply language by using term " Denied '' and did not answer the question that their actions may have breached a HAMP contract. The terminology Ocwen uses hides the existence of the binding HAMP Agreement. Ocwen has not corrected this problem and has not stopped foreclosure proceedings on my property ; if they succeed in foreclosing they would by fraud be civil theft as I have more than 50 % of the mortgage is paid on my the home. 

Ocwen and XXXX XXXX have a prior history of these actions ; under the then Attorney General of CA, the Honorable XXXX XXXX, they were suspended from doing business in California. 

Ocwen and XXXX XXXX and XXXXXXXX XXXX XXXX  conduct of wrongdoing has caused me substantial economic harm and put the welfare of my family in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from XXXX XXXX XXXX was reported as a new collection. 

The derogatory information shows as coming from Radius Global Solution as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from XXXX XXXX XXXX Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/XXXX, I called both XXXX XXXX and Radius Global and  each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
This law firm with the name Mary Jane & Elliott are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in XX/XX/2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amerifund Home Mortgage LLC
State: NY

Complaint narrative:
This is a formal complain from Mortgage Brokers who are consistently tricking consumers towards obtaining Mortgage Financing on alternative forms, but the objective is only demand on a rush substantial deposits which are at the end never returned to the victims they get, with numerous excuses. 
In my situation, have excellent credit and they lied and misrepresent towards the product they offered, mainly about payments which were never requested by the Company providing those Funds. 
The extorting Company which should BE CLOSED IMMEDIATELY AVOIDING FRAUD AND MISREPRESENTATION IS CALLED Amerifund Fax # XXXX, Phone # XXXX. Name of CEO AND OWNER, A TRUE TRICKY, DISHONEST broker is XXXX XXXX, LOCATED IN XXXX. 
They stole from me XXXX, money wired to them, they didn't provide the services, lied, misrepresented, and now refuse to return the money back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kehoe Financial Group, LLC
State: CA

Complaint narrative:
They keep calling for my father and I am an adult. I dont know how they get my number but i told them I am not giving him the message. Lady that called and supervisor was very rude. I have hung up on them. They will not tell me where they are calling from. I called back three times screaming at them not to call again. First time lady hung up on me, second and third time the supervisor had the nerve to be rude and ask why i keep calling back. I asked, do you like it? I told them i would file s police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: NJ

Complaint narrative:
There is an inquiry on my report from XXXX XXXX that was not generated or authorized by me, for a company I do not know and there is no additional information about who its from and how to contact them. 

When i asked to investigate this as fraud I was told they don't do that and I would need to figure out how to locate the company and dispute it with the company. 

I asked how was I supposed to track down a company with a XXXX XXXX and no phone number that they readily accepted this inquiry from I might add with no additional identifiable information. 

I quoted from the consumer rights printed on the bottom of their report " incorrect, incomplete information is to be investigated by the company '' upon notification and still they indicated they will not do this. 

On top of this they are unable to verify my identity, though I am able to do this on every other site including the government free credit report site and due to this they won't update my mailing address which is currently missing my apartment and incorrect. 

It has been a vicious circle with this agency for a week and I am the one stuck with things on my report that I can not get removed, disputed and they keep telling me they will MAIL me further information, which I have requested them not to as they will again open me to identity theft by mailing documents with sensitive information to an incorrect address.

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 2018-12-10 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:
Todays Date:XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX   XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit  repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
My payments stop coming out as agreed by ACH debit on my account for no reason in accordance to their agreement. I never canceled or directed my institution to stop allowing the agreed ACH debits from my account which were to automatically withdrawn on my pay days of the XX/XX/XXXX and XX/XX/XXXX. I spoke to a rep who said there may have been a system error due to updates, etc. Payments continued and Then all of a sudden I have fraud on my XXXX XXXX XXXX account. Issue was resolved and payments were suppose to continue with my XXXX XXXX account due to previous issue of payments not coming out as agreed in accordance with the agreement. Auto payment was selected so you don't have to worry about the payments being made and it was encouraged that if you can make more payments it can pay down your principle faster according to XXXX XXXX. As I free up a little cash I assumed when I log in to make a payment it's just an extra payment being made. I made a couple payments recently with my debit card. I have had several issues with XXXX XXXX correctly taking my payments and I am met with attitude and unprofessional reps. Recently I get notified by XXXX that my account with XXXX XXXX is Delinquent 30/60/90 days. I have gave the rep my XXXX XXXX information back in XXXX. I never received a call, voice mail, email, or US Mail correspondence that I was past due let alone going into delinquent status. The last email received was in XXXX! Every account on my credit report has been in good standing for years without 1 late pay and this inaccurate reporting of my account dropped my credit score 60 points. I did everything I was suppose to do under the FCRA, yet XXXX XXXX never notified me or gave me a chance to rectify any issue. I can not fix or put attention to nothing I haven't been made aware of.

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 2018-12-10 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:
Todays Date:XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This law firm with the name XXXX XXXX XXXX XXXX are trying to garnish my wages for a collection debt that was apparently made while I was a minor and unaware fix they will not share the details of when and where this debt was created. I've also spoken with the company that XXXX XXXX XXXX XXXX is saying trying to collect the debt but XXXX XXXX XXXX say they don't even have a record of me having an account and they're not sure that I even had one to begin with. The account was said to be created in 2001 which us when I was still attending high school, and they say the amount is for {$3400.00} but will not share any other information with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After sending information to verify myself ( XX/XX/XXXX ) with my disputes, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX not mine XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine PERSONAL FINANCE XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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:
Date XX/XX/XXXX Consumer Bureau : XXXX CFPB Case # : XXXX Original Creditor : XXXX XXXX XXXX, Closed Dear Credit Bureau Transunion, Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company Transunion have not removed the negative item I have fax police report to show my identity was compromised the account was closed to. they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that Transunion is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the police report. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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