vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 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: AL

Complaint narrative:
For the past 6 months my financial institution ( XXXX XXXX XXXX ) and I have been trying to settle an issue with Equifax regarding my credit reporting. I have contacted Equifax numerous times and got my personal information verified and straightened out but I simply do not have a credit file with Equifax. My financial institution confirmed with Equifax that everything is being reported correctly but is being reported to another consumer under my SSN. Equifax confirmed this error with my financial institution and have not taken any neccessary steps to alleviate this issue. This issue has been going on for the past 5-6 years with out me realizing it. I have confirmed with the other two bureau 's that my SSN is not being used for anything other than the loans I've taken out because I can see those credit reports just not the Equifax report since there is nothing in it due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX  XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-01 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-10-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2019, I contacted Experian through the automated system in which they have. The system provided me a confirmation number and informed me that my credit report would be sent to me. Note that at the same time, I requested a report from both XXXX and XXXX, both reports have already been received. 

Obviously, Experian is slow and dysfunctional.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Recovery Systems, Ltd
State: CA

Complaint narrative:
XXXX XXXX I received 4 harassing threading phone calls in one day requesting personal information about myself, saying I have a debt with XXXX. 

I do not know who XXXX is? 
2 of the people identified them self 's XXXX XXXX & XXXX XXXX Nationwide Recovery XXXX XXXX XXXX XXXX TX. XXXX If there is a debt or invoice please email or fax that information without threats. 
Email : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Sent 1 of 3 packages, ASSUMPTION, MODIFICATION, LOAN PACKAGE, letter said COMPLETE packages foreclosure on hold????? Never get a call or anything, WHY! what is status why foreclosure if all 3 packages sent!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
We have a collections on our credit report due to an eviction case that had been dismissed. although the case was dismissed and the attorneys for XXXX XXXX at XXXX ; agreed during mediation not to put anything on our credit reports. However they did and it has been difficult to find housing because of this collections on our credit report, and listed as " XXXX ''. We contacted NCC by email as they are the collection representatives for XXXX XXXX at XXXX. I have enclosed the emails to which I asked for itemized listing of debt, then attempt to settle the debt. I called XXXX XXXX XXXX ( XXXX ) to speak to a representative on XX/XX/XXXX as I was fighting identity theft. I contacted the XXXX office to get proof of residency and to discuss the debt. I left a voice message I never received a call back. enclosed are attachments that will give more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I had 2 PAID derogatory accounts on Equifax and XXXX from XXXX XXXX. I was told on multiple occasions that an e-oscar alert was submitted on XX/XX/19 to have the accounts deleted. Both were deleted from XXXX. One remains on Equifax with an original balance of {$1700.00}. Current balance is {$0.00}. I have submitted 2 online disputes with Equifax and both came back valid. When I call XXXX XXXX to give them this information, they just keep telling me to keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: TX

Complaint narrative:
This morning around XXXX of XX/XX/2019 I withdrew XXXX $ from a gas station ( its maximum withdrawal amount ) and went to XXXX to withdrawal another XXXX for a total of XXXX at around XXXX XX/XX/2019 however it wouldn't go threw and now have a fraudulent suspension on my account I need to pay rent today and my phone bill and I've been on hold for as of XXXX with no answer. I've been doing this same thing for the last 7 months living down here in Texas and this is my only issue but its a big one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Please see related cases against Ocwen/PHH for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ... ... XXXX XXXX XXXX ... ... XXXX & XXXX XXXX XXXXXXXX ON or about XXXX XX/XX/2019, Ocwen removed {$1600.00} from my escrow account fraudulently for a " ghost policy '' that was neither necessary or required. During this same time period Ocwen transferred my mortgage loan to their subsidiary PHH. Further, Ocwen refused to paid XXXX XXXX XXXX for current policy insurance coverage. Further, Ocwen informed PHH that my loan was not " PITI '', but " PIT '' which is not true because each monthly payment covers principle, interest, insurance and taxes. 
At this point, I contacted PHH and complained. They denied knowing anything, and then ignored and stalled my complaint to have the {$1600.00} returned to my escrow account and to have XXXX XXXX paid for insurance as required. I complained to Ocwen/PHH some weeks later and was told that ... " I had to prove that Ocwen/PHH was wrong and present proof regarding the " ghost policy ''. I again complained several months later when PHH did nothing. They did not return the {$1600.00} to my account and only when I threatened legal action did they contact XXXX XXXX and begin to pay for home owners insurance with XXXX XXXX for my properties benefit. 
HOWEVER, within weeks of this action they ( Ocwen/PHH ) sent a new demand statement on XXXX for a second " ghost policy '' in the amount of {$1800.00}. At this point I no longer have any faith in Ocwen/PHH doing anything to correct this. At this point I am filing any and all the complaints necessary based on jurisdiction and law. I am also contacting a Colorado law firm regarding any " class action '' suits that may be appropriate for this problem of Mortgage/Insurance fraud by Ocwen/PHH. I have plenty of paper proof, notes, dates and contact person ( s ). It is most necessary that Ocwen be stopped in continuing this type or any type of mortgage fraud. Please HELP. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
SAGE STREAM LLC ' I HAVE FAX DOCUMENTS TO SAGE STREAM I HAVE NOT RECEIVED INFORMATION BACK FROM SAGE STREAM I HAVE MADE SEVERAL ATTEMPTS TO CALL SAGE STREAM NO ANSWER TO REQUEST A SECURITY FREEZE AND TO OP OUT, COMPANY HAS VERY POOR CUSTOMER SERVICE SKILLS AND THEY ARE MISLEADING THE CONSUMER BY VOICEMAIL LEAVE A MESSAGE AND SAGE WILL CALL THE CONSUMER BACK AND NEVER CALLS. 
,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is saying that investigation results-verified as accurate. When I have proven on more than one occasion from 2018 to present that the information is not accurate and should be deleted from my credit report. And due to the fact that the collection agency XXXX XXXX XXXX is reporting that the loan type is an open account - as if Im paying them monthly, I have asked TransUnion to send me a copy of the provided proof of the alleged item, specifically the contact, note bearing my signature. And they have refused to send me any proof. I have been in correspondence with them for more than six straight months with still no proof but yet they continue to update on my credt. I contacted XXXX and was sent papers. I responded back and let them know that the information was inaccurate and incorrect and should be removed from my credit. And yet it still remains considering the Fraud and Ponzi Scheme that had them shut down and Assets frozen. But the documents will show

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 2019-10-01 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: LA

Complaint narrative:
Dispute with Equifax, stated several times they have a bankruptcy in my file. When asked where the information was provided, XXXX, a request from XXXX XXXX   started NO information regarding bankruptcy. Have sent this file. Its been over 30 days the incorrect info is still on file. They have violation of credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: AR

Complaint narrative:
I had a bill with XXXX XXXX that I paid off XX/XX/2019 which was XXXX. I've contacted the agency about removing this off my credit report but they haven't done so yet!

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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I financed a vehicle through BB & T Bank for 72 months and was told by the finance manager that I recieved the lowest possible interest rate due to my credit score and that the warranty I purchased would cover me to 92k miles and then I recieved a letter from warranty company saying that there was an error in contract that I only have coverage to 60k odometer reading. I then complained to BB & T bank and dealership and was told by dealership {$3000.00} refund will apply as payments and BB & T rep failed to tell me that it would not count as a payments until I was already late. I caught up with payments and recieved a letter saying my contract had incorrect APR and was promised that I would have my past due balance recently to be deferred due to hardship and my last payment was mishandled by BBT by inputting incorrect account number causing me to get a fees and issues. I just want these issues resolved due to the errors. Now I'm paying a substantially higher payment due to BBT errors on my contract and aren't honoring my deferred payment plan and mishandling my account with payments, fees and APR. I want my account to be in good standing and hope BB & T will make this right for 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 2019-10-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have attempted to contact Experian at least 20 times by phone only to be hung up on every time. 
I have also send a letter to Experian on XX/XX/2019 with a 'certified mail receipt ' which was also rejected on XX/XX/2019 stating it has been returned. 
All my communication efforts with Experian have been rejected and I want to know why. 
They notified me today, XX/XX/2019, that My credit score has been reduced by 20 points because of a {$9400.00} balance on my XXXX XXXX XXXX credit card that carries a {$33000.00} credit limit. This card as well as any others I utilize is PAID OFF, IN FULL every month and I have NEVER been late or paid ANY INTEREST charges because of my payments IN FULL EVERY CYCLE. 
This coupled with their total disregard of my communications is beyond rude and should be illegal as they negatively affect my credit rating.

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 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was encouraged to defer my loans and was not given other options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently check my credit report and realized out of all 3 major credit bureau experian has so many inaccurate information about my personal info and my credit info also they are using an outdated method of credit reporting

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 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has recorded that i still owe XXXX XXXX a truck loan {$5700.00}. i have written confirmation from transunion and XXXX XXXX that it is now a XXXX  balance. i contacted XXXX XXXX in writing in XXXX with all of my documents and i have not been able to get an answer and it is still there on the report. Says that it was last reported on XX/XX/2019 and i paid it off XX/XX/2019 so that's not right either. I had hoped the loan would show paid on XXXX XXXX website by the end of the month, but it is still there. Both XXXX XXXX and transunion state they have reported the account is paid off and in good standing and the problem is with XXXX XXXX. any help with this would be appreciated. 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 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN 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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Debt is not my. Credit collector is refusing to process dispute to validate debt. 

I never drove a car or own a car in the state of Maryland. 

The collector is refusing to validate the debt and file a dispute. 

There is No evidence that this debt belongs to me I dont know how this debt becomes available in my name. I didn't give permission for my name to be associated with any car. 

Therefore this debt looks like identity theft or fraud and I'm seeking fully valid of identity regarding this matter of law. 

This debt collector has contracted me before XXXX XXXX and after XXXX XXXX and are refusing to file a debt with the creditor. 

Harris and Harris are pursuing me for debt that I dont own that may be connected to identity theft or fraud and hasn't valid the identity. 

I'm being mislead by Harris and Harris that this debt is mine. 

I'm requesting a debt validation regarding deceptive behavior under the fair debt collection practices act regarding my identity.

Company response to consumer: Closed with explanation