vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: NY

Complaint narrative:
My credit is being denied wherever I go. 
I have written to the agencies, police, credit card companies, social security office as there had been a XXXX and all my personal information was stolen. 
However till date it seems nothing is being resolved. 
I travel extensively and seldom use credit, so I understand that my score would not be good, but companies are telling me that there are delinquencies and unpaid debt on it, but they are not telling me what it is. 
I need help and for someone to urgently look into this for me. 
Thank you

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 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was charged interest on a balance that was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
My loan # is XXXX. 
On XX/XX/XXXX, I submitted my loss mitigation package to PHH Servicing to request assistance in accepting a 6 - 12 months repayment plan with the constituency of PHH accepting 4 out of the 6 payments I ave. 
On XX/XX/XXXX I spoke with the loss mitigation representative and they confirmed receipt of the loss mitigation package and the loan will not be forward to a foreclosure attorney. The loan is on hold for the next 30 days to be reviewed. 
On XX/XX/XXXX, I called PHH home retention department and the representative stated the file is still in review for a loan modification. I stated I was not asking for a loan modification because I received approval with Ocwen Loan Servicing in XX/XX/XXXX. Therefore, I am aware that another loan modification would be approved and instead I requested specifically on my hardship letter a repayment plan. I requested the assigned case management XXXX XXXX to contact me and I have not received any returned calls or written correspondence from PHH. The representative suggested that I should receive a call from PHH by XXXX XXXX. 
On XX/XX/XXXX, I called PHH Home Retention Dept. and spoke with XXXX ID # XXXX and he stated there is no file in loss mitigation for review and there was no written correspondence sent to me stating if my request for a repayment plan was approved or denied. He also stated the loan was referred to an attorney on XX/XX/XXXX. Again I have not received any written correspondence nor any calls from the assigned case manager to discuss my hardship and request for assistance. It's my understanding that as a consumer, the servicing of my loan has been handled poorly and inappropriately and I believe under CFPB ruling, any loan in default while in loss mitigation review, the loan can not be submitted to an attorney to begin foreclosure proceedings until a decision is made from the Home Retention Department. PHH is not in compliance with the servicing of my loan and I am requesting an urgent escalation of my case. I requested to speak with the manager of the Home Retention Dept is Ms. XXXX XXXX and of course, she was in a meeting. I requested for XXXX, ID XXXX, to leave a message for Ms. XXXX requesting an immediately returned call. PHH policy is that I have to wait 24 to 48 hours for a return call. My situation is of an urgent matter, my home and I have to wait 24 to 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2019, I spoke with a lady whose name was XXXX XXXX on XXXX/XXXX   regarding 2 tickets for a concert. She told me she would sell me these tickets for {$40.00} each. She requested me to send the payment via PayPal Friends and Family so I would be responsible for the fees. I requested all her information to submit the payment. She sent me an email for the payment ( XXXX ). 
She also sent me the ticket information, which was section 1, row K. 
I sent her a payment of {$86.00} including fees and I also included in the comment section of the payment all the information for the concert I was purchasing the tickets for. The concert tickets were for XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, NC on XX/XX/2019. 
I sent her a copy of the transaction showing the payment had been sent. She messaged me back and said she was waiting on her husband to come home and check his PayPal account to make sure the payment was received before sending me the tickets. I told her that was fine and to let me know when she sent the tickets. 
I sent her a message hours later for the tickets and told her if I didnt receive the tickets, I was cancelling the payment. I logged into PayPal at that point and it didnt give me the option to cancel the payment at that point. She messaged me back saying she would send them in just a few minutes, and I waited. I again messaged her and ask for the tickets and she then blocked me. 
The following day, XX/XX/2019, I called and spoke with PayPal regarding the fraud of this lady. PayPal then told me to contact my bank. I contacted my bank, XXXX XXXX, and filed a claim with them. XXXX XXXX said they would be contacting PayPal as part of their investigation. 
I later received a letter from XXXX XXXX that the claim had been denied because PayPal stated the transaction was successful. I called XXXX XXXX again and they said it was up to PayPal with any issues regarding this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WA

Complaint narrative:
My home loan was originally with XXXX XXXX. We had just agreed on a forbearance plan that was to start XXXX due to hardship. On XXXX, my loan was transferred over to Bayview Loan Servicing LLC. They are refusing to honor my forbearance plan. I have included the documentation showing the transfer and the forbearance plan that was accepted with XXXX XXXX. 
Spoke to XXXX ( ID # XXXX ) at Bayview Loan Servicing ( BLS ) and he stated that he is trained to say that they can only honor it if it is a fully executed completed loan modification and nothing else. 
Transferred to XXXX ( ID # XXXX ) Escalation dept and she stated the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They will call my work number approximately 3 o 4 times a day. Initially the calls will come in before XXXX. I informed NAVIENT this was my work number please do not call me during to inquire about this debt at this number. I went online completed request for deferment in effort to stop the calls. I even told the caller on another occasion I was currently in Bankruptcy status & not sure why this one loan is not included in my claim. They assured me they will note my file to stop the calls. The calls stop coming in at XXXX. Now they call 3x a day today XXXX, XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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:
XXXX is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX  XXXX XXXX XXXX on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Transunion inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX/ XXXX then it is impossible XXXX 90 days or XXXX 120 120

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 2019-07-24 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: NJ

Complaint narrative:
Experian is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX XXXX Experian inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XXXX 120 XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/ 120 Transunion is reporting the following company that does not belong to me. I have attached my FTC identity theft report XXXX XXXX   XXXX XXXX inaccurately reporting ( 6 ) accounts from XXXX XXXX late on XX/XX/2017 and XX/XX/2017. If I was on time in XXXX XXXX then it is impossible August 90 days or XX/XX/ 120 120

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 2019-07-24 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: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
New American Funding reported the following months late on my mortgage ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After checking my bank statements it shows the following mortgage electronic drafts to New American Funding disproving the payments to be 30 day late or more. 
XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
This company NCC is reporting a debt for {$460.00} on my credit report with XXXX thats I do not owe. I r never had an contract with NCC Business Service. I have reached out to them several times. i have signed a afadavit they sent me stating its not mines. They still have yet to remove this from my file. This has negatively affected my score for months. I need this removed ASAP. Ive never had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX stated I opened an account with them on XX/XX/2017. I never opened an account with XXXX XXXX on XX/XX/2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a fraudulent company report fraudulent account to consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX is not following The Fair Credit Reporting Act and Iwant something done about it!

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 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019 two payments were sent to XXXX from my account in the amount of {$160.00} & {$490.00} who I believe was scamming online! I told chase about it n they said I authorized the transaction. I called them to tell them I was recently released from jail I had just canceled two cards literally that morning due to fraudulent charges while incarcerated. The rep said this phone call is recorded I told her I know n asked to speak to a supervisor because either she misheard me or I misspoke she agreed then hung up. I was telling her I called earlier to cancel cards  and all the other transactions on XXXX were mine EXCEPT the last two transactions on XXXX. I was literally explaining others situations I was reading from my email from the other victims XXXX I guess she thought I was talking about myself Im not sure. This was the 2nd fraud on my account in 24 hours which is why I was calling in to begin with. I let her know that I was in contact with others who were scammed the same way and I had information for them if needed and she didnt care n said I  authorized all transactions. Im highly disappointed in chase for this Im trying to get back on my feet and this is how they treat a victim of fraudulent transactions its ludicrous to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to American Credit Acceptance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing American Credit Acceptance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/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 2019-07-24 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: NC

Complaint narrative:
I have ask Equifax, XXXX and XXXX XXXX to investigate medical collections I  have on my credit report. I haven't been to the hospital since youth and someone has compromised my identity to get medical assistance. The accounts are XXXX {$220.00} opened on XX/XX/XXXX and XXXX XXXX  for {$270.00} which are 2 separate collects which I think are duplicates, open on XX/XX/XXXX and XX/XX/XXXX. I need these accounts removed from my reports immediately as I am trying to purchase a home an this is hindering me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Bank of America to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Bank of America to pull my credit on XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mother opened an CD trust in my name for $ XXXX@ 11.75 % for 3yrs in 1981 with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She lost track of CD until recently. We tried to cash in CD at Chase Bank, who now owns XXXX. They said they had no record of CD, or of my mother or myself ever having an account there. I have the physical paper CD, which was required to be returned, when cashing it in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card 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 2019-07-24 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: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX  as of XXXX/XXXX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Capital One NA ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One NA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: AZ

Complaint narrative:
My Arizona XXXX XXXX XXXX Visa credit card : XXXX is lost/stolen. There are a lot of fraudulent charges on my Visa credit card 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 non-monetary relief
Consumer complaint received 2019-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Capital One Auto Finance ( XXXX XXXX XXXX XXXX, TX XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One Auto Finance to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc.
State: OK

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX with a date stamp of XXXX XXXX, 2019. In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/2019 I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights.  Shortly after the account was deleted off my credit report and heard nothing else from XXXX XXXX XXXX XXXX XXXX XXXX. 

I received a letter from PMS stating as of XXXX the account was assigned to them for collection. XXXX XXXX XXXX already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation