vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX PA {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX. .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in XXXX and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did XXXX would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am physically and to a lessor degree XXXX XXXX. I have Medicaid, Medicare, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
XXXX  would not even let me file a Dispute against XXXX only after I filed with TransUnion did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and 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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
PLEASE HELP ME! For years I have been the victim of identity theft. For years I have been fighting with numerous creditors, collectors,  credit bureaus, the IRS, XXXX XXXX XXXX XXXX, XXXX XXXX child support, and numerous other agencies. 

I have spent numerous man hours filing id theft affidavits, police reports, Tax documents, fraud notices, calling on the phone, and anything I can think of which would help me fight off all the fraud which has been perpetrated against me and ruined my good name. I'm not kidding when I say I have spent an entire weeks worth of manhours put into this since XXXX. 

As of now, I have almost eliminated all forms of fraudulent accounts against me except for one which persists no matter what I do. On XX/XX/XXXX, Someone opened up a Discover card under my name. I don't know how they did it, but they did. I filed a fraud affidavit and a police report, and submitted it to all parties involved and the account came back as verified. HOW! I have NEVER applied for a discover account in my life. I do not have one, and I have never borrowed money from them. How can they claim this is verified? I don't know what to do anymore. I have spent the last three years trying to buy a home and I keep getting told no because these fraud accounts keep popping up. I'm tired now. I can't keep putting in this much effort just to have a company tell me they are going to hold me responsible for money I never borrowed. 

Please help me in getting Discover to remove this from my credit report. If they don't, then I will have to call a lawyer and sue them. I have already spent thousands of dollars in time and money fighting this so I will have no problem spending several more years and thousands going after Discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
ive been trying to get a free transunion credit report and score online for months and im unsuccessful.The site keeps saying sorry, unable at this time.I even tried XXXX XXXX XXXX and unsuccessful.When i try to get a free report from transunion, it asks for credit card.I shouldnt have to input a credit card for a free report.I dont know whats wrong with transunions site.They make it difficult.XXXX and XXXX is real easy.I want a transunion report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion currently reports XXXX XXXX XXXX XXXXXXXX inaccurately. In and around XX/XX/2020 XXXX XXXX XXXX XXXX was reported on my Transunion credit report without notice 5 business days as required by federal law section 1681 of the fcra rules. This is a  violation.

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 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC is not allowing me to link my account with a XXXX debit card for some reason. Apparently it's the only bank that does not allow the service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed a XXXX XXXX union account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I was transferred to Fay Servicing after having significant issues with XXXX  XXXX after my loan was transferred to XXXX. I was also facing some financial challenges. After being transferred to Fay, I tried, unsuccessfully, to get some help and answers and finally got my account manager changed. The new account manager, XXXX XXXX, was wonderful and I began the loan modification process. And then COVID hit. 

XXXX informed me that my foreclosure was put on hold, but didn't give me any dates and I didn't receive anything from Fay regarding how long the hold was. In XXXX, I started trying to submit my documents for the loan, but couldn't get hold of XXXX XXXX and couldn't submit them online. 

On XX/XX/XXXX, I found an email address and sent the documents via email. I didn't hear anything from Fay and still assumed that the foreclosure was on hold until I got a notice taped to my door on XX/XX/XXXX that my house was being foreclosed on and that the sale date was XX/XX/XXXX. I have been working to submit the proper documents, but it has been XXXX problem after another ( oh ... you need to write this on that, etc. ). Finally, my loan modification packet is complete, but now it is only three weeks to foreclosure. 

XXXX XXXX has been fantastic, but I have been extremely dissatisfied with everyone else I've dealt with at Fay Servicing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I applied for a loan modification with XXXX XXXX XXXX in XXXX, never missed a payment, supplied requested documentation multiple times. They played games and avoided providing the government modification program I was eligible for that provided for $ XXXX {$100000.00} HAMP reduction in principal because I never missed a payment. I attended a XXXX event to push it through at which point B of A said their computers were down and they could not do it, then they immediately sold my loan to Green Tree to avoid modifying my loan. Green Tree did modify the loan, but they failed to provide the government incentive for not missing a payment. This was clearly a Bait and Switch. In at least three recorded phone conversations ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and one letter XX/XX/XXXX customer service representatives mentioned the incentive to me. Green Tree sold out to diTech. About the time my 5 years of no missed payments occurred and I should have received my incentive reduction from my principal, diTech filed for bankruptcy. I requested my principal reduction and have been denied it stating that I am not eligible. I believe this is fraud and that someone absconded with my government incentive funds. Please investigate and advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Debt collections have a bunch of discrepancies and failed to give me proof that the debt collections are mime. I would like to have the derogatory remarks 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 explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent Fair Collections and Outsourcing a debt validation request for an item on my credit report. On XX/XX/XXXX, they responded with a full copy of the original contract and an accurate record of the payments made up to XX/XX/XXXX ( payments made after that date were omitted ), however, there was no debt assignment letter indicating that they are authorized to collect the debt.

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 2020-08-04 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: The Outsource Group, Inc
State: CA

Complaint narrative:
I have contacted MediCredit four separate times to get them to remove some information from my credit profile and they refuse to respond to my requests. I have sent them a police report for identity theft, a FTC approved fraud affidavit and a lease agreement showing that I was living in another state when the referenced accounts were established. This organization refuses to acknowledge my request, they refuse to cease in knowingly reporting inaccurate information to the three credit reporting agencies. I don't know how a company can continue to be allowed to destroy someone's credit with no accountability what-so-ever. This account was established in someone's name that I don't even know and it is related to fraud.

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 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed a XXXX XXXX XXXX account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

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 2020-08-04 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: NV

Complaint narrative:
I have disputed a XXXX XXXX XXXX  account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have never had an account with National Credit Adjusters ( NCB ), I have disputed this debt on my credit report and have not had any results NCB is still showing on my credit report.i have not received any correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: PNC Bank N.A.
State: WA

Complaint narrative:
PNC Mortgage has placed an incorrect status on my credit for my mortgage loan with them. My credit pulls up with a notation of " impacted by natural disaster ''. I originally addressed this with PNC Mortgage and there escalation department - Rep. XXXX in late XX/XX/2020. On XX/XX/2020 XXXX confirmed that the credit department will be removing this status from my credit report. I confirmed with XXXX that I am not being impacted by a natural disaster. As of XX/XX/2020 this label still remains on my credit. My payments are made each month and my mortgage payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had lost my job in 2015 and had picked up two more jobs to help pay for living expenses and the mortgage on my families home. They didnt pay enough and I had to dip into my savings until it was close to running out and I had reached out to Wells Fargo to let them know what my financial situation was like and that I was still looking for openings in my career with no luck while still working other jobs. They put me on a plan where I pay less but they counted it as missed payments. I was being proactive and worked hard and eventually payed off the amount they continued to add that I didnt pay them. And then was able to keep up with payments the following year until we finally sold the home. I feel that the hits to my XXXX  score dont reflect what the situation was and doesnt reflect me and my financial responsibility. I would like to have my XXXX score increased and not show the derogatory remarks given the circumstance. Which will hinder me for another three more years. For losing my job. I feel that I am as responsible as they come and proactive as they come and my XXXX score is not really giving lenders a true picture of my ability to pay them.

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2020 I made my payment via online bill pay with XXXX. My mortgage is with PHH Mortgage/XXXX. Although no changes were made and my payment has always arrive on time for XXXX payment was NOT received. For the last 3 weeks I have tirelessly been calling on a daily basis to find the lost payment. On XX/XX/XXXX, PHH mortgage informed me that they finally had located my payment. My payment went to XXXX XXXX. PHH told me it was up to me to get my money back from XXXX. XX/XX/XXXX I called XXXX to tell them my crazy story and they had me email my proof of payment. XX/XX/XXXX, I followed up with PHH Mortgage/NewRez and Shellpoint without much luck. 
No one will take responsibility to what happened to my payment of {$2800.00} On XX/XX/XXXX I made my XXXX payment and I believe that same has occur since it hasn't posted to my account. As I write this complaint there XXXX of money that no one wants to help resolve. 
Please help me get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: CA

Complaint narrative:
I have several times contacted TRANSUNION TO REPORT MY AUTO LOAN WITH XXXX XXXX. They claimed that the account was " deleted '' because I had filed a dispute. I informed that the dispute was to the amount of debt, not the account and they stop reporting the account. I called 9 times, they claimed that XXXX XXXX was the one to contact them. 
I contacted XXXX XXXX and they informed that they have submitted requests to include my account on the report. This account has been reported to XXXX  and XXXX, not to TransUnion which is hurting my credit score. 
I need the account to be updated.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to dispute an account on my credit report with the three credit bureaus. XXXX XXXX /XXXX. The account has been included in my bankruptcy. I want it added on as it should be there. I already sent letters to all the credit bureaus on XX/XX/XXXX and I still have not received any paperwork. 

Please have them send me something saying they've fixed this and placed it in a bankruptcy status.

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