vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
This is the second complaint I have had to file against Optimum Outcomes. I requested debt validation as well as a signed HIPAA release form regarding an account that popped up on my credit report that I had no knowledge of and did not receive a response. A certified letter was sent on XX/XX/XXXX to Optimum Outcomes XXXX XXXX XXXX # XXXX XXXX XXXX, IL, XXXX. In the original response from the company in the complaint they stated I never mailed them a letter- please see the attached receipt of certified us postal mail with the correct address. 
On XX/XX/XXXX the company sent me a letter in response to my complaint on XX/XX/XXXX stating they have reviewed my account and it is valid without sending any proof other than a reference number, balance, date of service and provider. I requested legal proof of the debt as I dont know where it came from. By law in the fair credit reporting act the company must provide either a breakdown of charges or something with my signature and they failed to produce either within the legal allowed time. It has now been nearly 90 days and still no validation or follow up from my certified letter. The company is in violation of my legal rights to have information fairly reported on my credit report. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX//18. I received these very vague responses attached, more than 30 days later. Additionally, they exceeded 30-day response requirements as per the FCRA. In my correspondence, I requested the Method of Verification which LexisNexis did not give in clear violation of FCRA. 

LexisNexis claimed to contact the bankruptcy court. I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..? 

The item in question is as follows : US BKPT CT IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX  " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.

I would appreciate any input you might have. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX. In XX/XX/XXXX I opened an account with TD Bank 's branch located at XXXX XXXX XXXX XXXX XXXX, PA XXXX. The bank representative gave me an account number that I then submitted to my financial institution, XXXX XXXX. On XX/XX/XXXX I contacted TD Bank to see if the money I was expecting from XXXX was deposited. The representative from TD Bank indicated that I was given the incorrect account number and gave me the correct account number. I immediately contacted XXXX with the correct account number. Through the bank transfer process the account number was switched back to the incorrect account number. The money was transferred, on XX/XX/XXXX, to an active account and the deposit was removed by the owner of the account. TD Bank would not allow me to file a fraud complaint with their bank and insisted that we do it through XXXX XXXX. XXXX XXXX insisted that TD Bank needed to handle it because it was removed from TD Bank. TD Bank indicated, at the end of XX/XX/XXXX, that it needed a letter from XXXX saying that the money was sent to the incorrect account before it could proceed. After speaking with them today ( XX/XX/XXXX ) they indicated that they won't be able to do anything unless it is initiated from XXXX XXXX end. The money was deposited six weeks ago and no one has any idea when I will receive my funds. After several conversations with TD Bank and XXXX XXXX I do not see a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There's a credit inquiry on my record by a company name XXXX on the date of XX/XX/2017 I have never had an account with this company neither do I know who place this inquiry. 
I contacted the credit bureau Equifax and told them to remove this inquiry and they're refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My mortgage loan was paid off, and Chase refunded me the overpaid funds. Chase is now issuing me a XXXX for those refunded monies. That refunded money is not subject to a XXXX  IRS report, since Chase did not pay me any of their money. Instead, they refunded my own money back to me, money I have already paid taxes on. This was all addressed on CFPB complaint # XXXX, and Chase had responded that they would issue me a XXXX-out amended IRS form XXXX. Instead, yesterday I received an amended XXXX  that still says I received {$550.00} from Chase. Again, that money was a refund of my own money from an over payment. XXXX XXXX is the last Executive Committee person I dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have contacted both XXXX and XXXX  regarding Capital One Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
RE : US Bank. 
In XX/XX/XXXX US Bank was notified via email ( with attached digitized receipt ) and via phone that our property taxes had been paid. 

We were supposed to receive the refund in XX/XX/XXXX. 

Instead US Bank paid the taxes a second time, which is negligent! 

We have been waiting 10 weeks and have not received our refund of the prepaid taxes as yet. 

Please use your influence to get them to act, or else, I guess the next step is small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Municipal Collections of America Inc.
State: VA

Complaint narrative:
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) XXXX  IL XXXX   called me on XXXX2018 claiming there was a parking ticket for an address I haven't lived at for years.

I told him I never received a parking ticket, and he told me he was reporting me as refusal to pay and hung up. I called back hoping to get some proof of the debt but he refused and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have an inquiry on my credit report for XXXX XXXX and I don't have a XXXX XXXX account. I had services with XXXX for the last 4 years but as of XX/XX/XXXX I moved to XXXX XXXX XXXX area and I have service with XXXX. I have tried to dispute this through XXXX but it is still on my credit report. I am not sure of who but my information is being used fraudulently. I also have an issue with someone running my credit with XXXX  and trying to get a retail card with them. I called them XX/XX/XXXX and reported to them that it was a fraud because I have four, now five, credit cards and I don't have any retail cards because I manage those five.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 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: FL

Complaint narrative:
I have contacted both XXXX  and Transunion regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXX and XX/XX/XXXX.

I was not late on those months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted both Equifax and XXXX  regarding XXXX XXXX Credit Card on both credit reports it is showing late payments for the months ofXX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have disputed this report already with XXXX but nothing has changed. I have a hard inquiry on my credit report for XXXX/XXXX  but I haven't ever given them authorization to run my credit. I don't have an XXXX credit card but I do have an XXXX account that I order from frequently but still not authorizing them to run my credit. I am completely confused as to how they even have my social security number. I research and found out that XXXX XXXX has changed their name to XXXX XXXX   and that is why it show XXXX XXXX. I believe this inquiry to be fraudulent because anything done without my authorization is illegal. That is my understanding of credit inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Arnold Scott Harris, P.C.
State: CA

Complaint narrative:
This company has us on a robo call rotation where we receive multiple calls from them every day. Late last year, I called their number and spoke to a representative and determined that the debt they are trying to collect is not ours. After that, the calls kept coming anyway.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells fargo is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX Wells Fargo has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and Wells claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So Wells Fargo needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I became aware when I checked my credit report that this debt collector under the name of NATIONAL CREDIT SYSTEM , INC has reported incorrect information that I owe the amount {$4100.00}, I have sent a notice of state and federal validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: CA

Complaint narrative:
XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax, XXXX and XXXX  are reporting inaccurately on XXXX XXXX XXXX account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XXXX XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXXXXXXAfter dispute with all 3 bureaus XXXX  says on the report, {$7100.00} past due in XX/XX/XXXX.InXX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting late payments after my loan was paid off. I paid my loan off in XX/XX/XXXX, which the attached report shows it was XXXX balance paid off. Then when I got a new credit report pulled in XX/XX/XXXX XXXX XXXX has 2 NEW late payments on a PAID OFF and closed account for XX/XX/XXXX and XX/XX/XXXX. 
I disputed these and the bureaus and XXXX claim they are valid. I want to know exactly, how NEW LATE PAYMENTS are accurate when the account has been paid. This has affected my financing and caused me to LOSE a house. So XXXX XXXX needs to delete these late payments or the next correspondence will be from my attorney. The bureaus are in violation as well. I mean this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: FL

Complaint narrative:
I sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.

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