vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-13 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: WI

Complaint narrative:
XX/XX/XXXX went to XXXX ride to cosign for a car loan and when my report came back there was an address ofXXXX XXXX XXXX XXXX XXXX, WI have never lived at this addtress. 
Also listed was XXXX XXXX and i never took out a loan.

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 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Date is every month that I have a problem with PHH ( XXXX ). I have a loan serviced by PHH. A 15 year loan with 6 more years left. It is paperless billing with PITI info on PHH 's website. The problem is I can never access the website without difficulty. ( i.e. username/password don't match ; of course they do, and, also, I get a notice on PHH 's website that I DO NOT have a loan with PHH, again, of course I do. 
Today is XXXX-19, I called at XXXX XXXX., and have been on hold for 52 minutes ( the call center 'help ' opens XXXX est M-S. 
Every month I go through this, for 9 years. EVERY month. I can not access my billing statement, escrow info balance or monthly payment information. 
I CAN NOT access my account with this company, nor is it easy to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic recovery solutions sent me a letter XX/XX/2019. Attempting to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I see two collections debts that arent mine, i already disputed them at XXXX but i dont know how disputed them at XXXX because i dont have any information of these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NH

Complaint narrative:
On XX/XX/2019, I noticed a service fee from Flagstar Bank pertaining to a payoff request for which the customer service dept. is unable to tell me who made the request. 

Please note - my loan servicing was transferred to this company about one month after I closed with XXXX XXXX company for which I already paid loan payoff fees with a different lender for which I can understand. 

I have had my mortgage servicing transferred several times in the past of owning a home, but have never been charged a payoff fee when a new service takes over sending the bill. 

I called XXXX to inquire about this practice and they said I should not be charged a fee when servicing is transferred. 

My goal is to find out who ordered this payoff request and to stop Flagstar from charging servicing fees for mortgages they service and to refund this charge to my account as well as have charges brought against them by the appropriate organization for penality.

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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
On or around XX/XX/2018, Amsher Collections Services ( hereinafter " Amsher '' ) reported to the credit bureaus that I had an unpaid balance totaling {$550.00} from XXXX account. I contacted Amsher and advised that I never had service with XXXX and that I had been a victim of identity theft in the past and this appeared to be another fraudulent account. Amsher had no additional information other than XXXX confirmed the account belonged to an accounted holder with my name and date of birth but provided no confirming documentation. I have attempted to remove this derogatory mark from my credit report however the continues to appear on my XXXX  report. This is not my account, I do not owe any money to XXXX and/or Amsher and would like this to be permanently removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I HAVE A RENTAL BLOCK FOR APARTMENT THAT NEVER LIVED IB. IT WAS DELETED FROM CREDIT BUREAS BUT COLLECTION COMPANT nATIONAL CREDIT SYSTEM STILL TRYING TO COLLECT AND HAVE A RENTAL BLOCK ON MY HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
keeps popping up on my credit report as " collection '' this is not my debt it is ruining my credit i'm being denied credit because of this its been popping up for some time now i have no knowlede of this account i have been a victim of identity fraud its states amount is well into XXXX {$2000.00} i will prosecute this all the way again it is not my debt!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed that there was a MAJOR drop in my XXXXredit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid 700s to 675! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

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 2019-07-13 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX I was a victim of identity theft. Since that time I have been attempting to remove all fraudulent accounts that do not belong to me from my credit report. Equifax continues to report accounts that were opened fraudulent in my name and without my consent. I have disputed the accounts multiple times and none have been removed. Rather, Equifax claims that the creditors are verifying the information as accurate. However, I know this to be untrue because I have received at least two letters from two companies advising that they performed an investigation and have closed the accounts due to fraud ( XXXX and XXXX ) however Equifax claims these companies verified the reporting as accurate. I have disputed collection accounts including XXXX XXXX XXXX which XXXX and XXXX have removed however Equifax refuses to remove the derogatory information. Additional accounts that were fraudulently opened but remain on my credit report include : a car loan to XXXX XXXX XXXX ; a loan with XXXX XXXX ; and a credit card issues by XXXX XXXX. I disputed these accounts multiple times including XX/XX/XXXX and Again in XX/XX/XXXX and most recently in XX/XX/XXXX, yet the derogatory information along with the fraudulent accounts remain on my Equifax report. I have never received the results and I only found out that they were not resolving my disputes was by checking the report and calling and spending hours on the phone as opposed to receiving written communication with the results. Also, Equifax continues to report the wrong address. I have requested multiple times that this be updated because they are not able to verify me by my current address which has made this whole process even more difficult. Instead, Equifax put a personal statement on my credit report that states " PLEASE UPDATE ADDRESS ''. It doesn't even make sense that that would be on these but it is and I want it removed and my address corrected. This is not fair and it having a very negative impact on my finances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already written the bureau to get this incorrect information removed. Please remove all names and addresses on file that do not match the ones that I have attached in this document.

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 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XX/XX/XXXX-XX/XX/XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

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 2019-07-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent Experian a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.

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 2019-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent Equifax a letter trying to rectify this situation. Please review the attached documentation, and remove any names or address that do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
1. Representative did not verify with me the information they have on file.

2. They refused to tell me WHO they were calling 3. Told me they would not look anything up until I have them my social security.

4. When I refused their fact-finding tone turned to abrasive ness 5. I told them that if they didnt verify what they were calling about I would consider their calls fraudulent.

6. Call from XXXX & XXXX ( XXXX XXXX FL area code where I have family ) Credence Resource Management 7. Its a call center in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I noticed a collection on my account in XX/XX/2019 that shows as opened XX/XX/2019. This collection agency is Helvey and Associates, on behalf of XXXX XXXX. The date shown that the collection was opened shows XX/XX/2019. I do not have an account with XXXX XXXX and have not for 10 years. 

I have contacted Helvey and Associates by mail twice asking for proof of this debt and have not received a response. I have not received one collection notice or contact from XXXX XXXX nor Helvey and Associates. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
All student loans where payed off because of disability. Income was not able to pay off. Approved for government payoff over 5 yrs ago. XXXX still shows balance and delinquency on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX filed a false claim against me in the District Court of Maryland for XXXX XXXX stating they were the owner of an account I had with Chase Bank in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX XXXX XXXX, a Delaware limited liability company ( the " Seller '' ), and XXXX XXXX XXXX, a Delaware limited liability company ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with Chase Bank. XXXX XXXX XXXX is not the legal account owner of any accounts I previously had with Chase Bank. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX and XXXX, who represented XXXX XXXX XXXX according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that XXXX XXXX XXXX was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out XXXX XXXX XXXX had violated the Consumer Financial Protection Act of XXXX, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. XXXX XXXX and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a credit card through synchronicity Bank. The credit limit is {$2500.00}. 
Since opening the card I have made several payments. XX/XX/XXXX tuna {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX XXXX  {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$500.00}. The last payment of {$500.00} made on XX/XX/XXXX was taken out of my bank account on XX/XX/XXXX. Today is XX/XX/XXXX and the credit has not been posted to my available credit. I was told a hold was placed on my account and will be in place for another 3 days. This card offers a 2 % cashback reward. I believe that I am being discriminated for my ability to pay my card and earn reward credits.

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 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T Bank is using escrow ( Tax, and Insurance ) tactic fabricate default of my mortgage, while increasing my monthly mortgage payment from {$860.00} to {$910.00} ; A the same time M & T Bank has refunded escrow excess of {$980.00} within the past 12 months. M & T Bank also claim that I have a default mortgage balance of {$2700.00}, given the fact that I have consistently made mortgage payments of {$870.00} for the past 15 months. I've called them about this discrepancy, and they continue to ignore my inquires while saying its due to changes in my Taxes and Insurance. I vehemently disagree, my real-estate Tax does not change given the fact that I have 20 year Tax abatement with the city of New York ; I currently on year 13 of that tax abatement. In regards to Insurance, I have sent evidence of my home owners and condo insurance to M & T several times. Mortgage premium and the default increase is unfounded ; I have express this to M & T but rudely treated with collection tactics and told to pay excess amount.

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 2019-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account was deleted and its should not be on my credit report I am requesting that it be removed permanently wiped off my credit bureau report with XXXX XXXX and XXXX. I have proof that this account was deleted and now theres a duplicate that I would like deleted from all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PA

Complaint narrative:
In XX/XX/2015 I processed an additional deferment with AES. Oddly, after processing the deferment with AES I began receiving late notices so I contacted them again and they corrected the issue ; however, they never fixed my credit report which is preventing me from buying a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On or about XX/XX/2019 I applied to QL over the phone to refinance my mortgage. They determined the value of my home to be $ XXXX and charged me {$500.00} for an appraisal which I paid. A few days later an appraiser appraised my house at $ XXXX. QL contacted me and stated the appraisal came in under market value. According to QL since the appraisal was under $ XXXX I would now have to bring more money to the closing. I would have to bring $ XXXX more than the $ XXXX Good Faith Estimate. I cancelled the process and requested a refund of the {$500.00} appraisal fee. QL refused to refund the appraisal fee. QL didnt tell me verbally or otherwise that specific conditions were associated with a refinance appraisal in this particular situation so I did know the risk. I dont recall ever being notified that I could lose my appraisal fee if the appraisal came back under market value and I chose to cancel the refinance process. This is a loophole that is detrimental to the homeowner.

Company response to consumer: Closed with explanation