vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres are numerous hard inquiries on my credit report and also 1 false/negative account.

These items on my credit report are the result of identity theft and Ive gone to the corrective agencies in my attempt to sort the matter out of getting these false items removed from my credit report.

I have reported all hard inquiries and false accounts with the federal trade commission as fraud/identity theft.

I have attempted to dispute these items on my credit report numerous times with Experian, XXXX  and XXXX. 

XXXX has identified this XXXX XXXX XXXX credit car account as fraud/identity theft, and have taken the proper action in removing this false account, however the hard inquiries still remain. 

Experian and XXXX  have not taken any actions to remove these accounts and several rounds of Fair Credit Reporting Act backed disputes have gone unanswered, and unverified. 

According to the Fair credit reporting act Credit bureaus must respond to disputes within 30 days by verifying or removing said items of concern. 

I have prepared my disputes backed by my attorney in XXXX document format, I have also notarized and sent my letters via certified mail for tracking and documenting reasons. 

This is my 3rd attempt to dispute these false items on my credit report, additionally I have filed an identity theft report with the federal trade commission my following action will be a court proceeding to correct this issue. 

Please remove the following negative item and hard inquiries from my credit file immediately XXXX XXXX XXXX Hard inquiries : please remove the following inquiries in immediate fashion. 

Creditor : XXXX/XXXX Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor XXXX XXXX Creditor XXXX : Date : XX/XX/XXXX Creditor : XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX This is my federal trade commission identity theft report number : XXXX Happy New Years, Best Regards

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 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The owner is deceased. All documents have been submitted from the XXXX  Court. This house is a part of an Estate. Ocwen Loan Servicing, first asked for a loan Modification application, we did it, and then they came back and asked for an Assumption  package we did it, Family Transfer package we did it. We sent information concerning the administrators we did it. The person taking responsibility for the loan is the grandson everything was verified by Ocwen.They requested a new Deed with the grandson as the new owner we did it.On XX/XX/XXXX, the new request of Applicant Information Form and the Owner Occupancy Certification was submitted. Then in XX/XX/XXXX the loan was transferred to PHH.

All of these applications and proofs submitted was not accepted or acknowledged by PHH even though PHH is an Ocwen Company.

The person that we worked with was at XXXX XXXX ext. XXXX ( Ocwen ) With PHH, it took 3 months to just talk to some concerning the account and had to call back multiple times and still got no information, but they would put a sale date on a property that complete all of the requirements.We tried to send proofs of all the documents submitted they refused. We completed the new loan modification for PHH they said we did not need too. Yet they have a sale date for XX/XX/XXXX. 
The whole month of XXXX starting XX/XX/XXXX. Each time we called we rece3ived another story after being put on hold for at least 10 times if they transfer you to the right department.We spoke to XXXX XXXX Qualifying Assumptions, then each time we called they told us that the case was esculated, we spoke to ID XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX, ID # XXXX on XX/XX/XXXX and this person said that there were no esculation and nothing was being done to stop the sale Ocwen though everything was done before the transfer. We called back and each time we were transferred they hung up on us. We had scheduled appointments they never called and the assigned representative could not be reached.

We never received a notice of sale from Ocwen or their attorney we found out though a person coming to see the house and from calling PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-31 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: FL

Complaint narrative:
Opinion by numerous experience a great scam- denied credit once again- Thank you, xxxxxxxx, for your Personal loan application. Unfortunately, we can not fulfill your request for a loan because of the following reasons : Serious delinquency Too many inquiries in last 12 months Amount owed on revolving accounts is too high Length of time revolving account has been established This agency never reports accurately and only real time is a negative, balances always wrong and inaccurate causing denied credit -higher rates and financial impact. Do not look toward the CFPB to do anything they are worse then the agency complained about- another facade.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have enrolled in the promotion when opening a new checking and saving account with Citibank in late XXXX, and have met all requirements set for the bonus of $ 400+ {$100.00} on XX/XX/2019. Then I have waited the full 90 days till XX/XX/2019 and did not receive the bonus. I made an inquiry and revived a confirmation letter of eligibility which I have attached here. Now I am still waiting.

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 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
There are two negative collection account being reported on my credit file from the following two collection companies : 1 ) XXXX XXXX XXXX XXXX {$1600.00}. collection acct from XXXX XX/XX/XXXX.It XXXX XXXX XXXX shows on my report as the acct was opened on XXXX XXXX, MN XXXX XX/XX/XXXX. THEIR ACCT # XXXX XXXX * THE ACCT XXXX XXXX XXXX WAS CLOSED IN XX/XX/XXXXAND PD. THE DATE OF THE 1ST LATE PYMNT WOULD BE WELL OVER 10 YEARS AGO. COLLECTION CO IS ACTING ILLEGALLY BY REPORTING THIS TO CREDIT BUREAUS AS THE ACCT IS WAY PAST THE LEGAL DATE FOR IT TO BE ON MY CREDIT FILE. ALSO, NO ONE HAS MY SIGNATURE IN ORDER TO OPEN THE ACCT. 

2 ) XXXX XXXX XXXX A {$57.00} collection acct from XXXX XXXX  XXXX opened XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX, GA XXXX ACCT WAS CLOSED OVER 7 YEARS AGO, AND THE DATE OF THE FIRST LATE PAYMENT WAS IN XX/XX/XXXX.I AM NOT AWARE OF ANY AMOUNT DUE ALSO. 

IT IS NOT LEGAL FOR EITHER COLLECTION CO TO REPORT ANY DEBT TO ANY CREDIT BUREAU BY FALSIFYING THE AGE OF THE DEBT INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: FACTUAL DATA CORP.
State: OH

Complaint narrative:
Factual data and /XXXX XXXX XXXX pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, factual data and XXXX   XXXX XXXX came back with a false reading they stated my XXXX was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  XXXX XXXX. I want factual data to remove the hard inquiry on XX/XX/2019, and XXXX XXXX I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again factual data and XXXX XXXX XXXX is not reporting credit score correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( TRANSWORLD SYS INC ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: MD

Complaint narrative:
On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( XXXX XXXX XXXX ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I settled with PayPal for my credit card in XX/XX/XXXX. The agreement was that I paid a total of {$1200.00} with 6 payments of {$200.00}. I completed all 6 payments of {$200.00} totaling in the settlement amount of {$1200.00}. They have been billing me since for the remaining portion of the credit card which is {$1200.00} that would have been remaining. They are adding late fees and interest to this account, when it was settled and should have been closed as of XX/XX/XXXX. I have made calls monthly to PayPal and when I do they transfer me to many different departments and it always ends in we cant help you. We have also sent several letters with attached letter of settlement and proofs of payments with no response back from PayPal.

I have the settlement agreement offer along with proof of all 6 payments have been made. This account is impacting my credit as its showing that Im delinquent. PayPal will not resolve this personally so I found it best to report in hopes of saving my credit. 
Thank you 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 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
On XX/XX/2019, I went to pay my mortgage to PPH, which was only {$420.00}. OO. When I pulled up my loan statement online at their website, it said that I only owed {$840.00} to pay off the entire loan, so rather than pay the monthly due amount of {$420.00}, I paid the entire {$840.00} it said that was remaining on the entire loan to pay it off. On XX/XX/XXXX, when I checked the website, it told me I was late on my XX/XX/XXXX payment and that I owed {$840.00}, which was the exact amount that I paid on XX/XX/2019. I checked my bank and the money had in fact left my account and been sent to PPH. Additionally, the recording when I called PPH confirmed it received it on XXXX XXXX. When I spoke to a representative, he claimed that they had not applied any of the money because it was not the full amount, but I explained that I paid the entire amount due, which it listed at {$840.00}. He couldn't explain why the website said I was late when I paid almost twice the amount owed of {$420.00} but more importantly the full amount owed and showing at the website. They failed to apply any of the payment that was

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have used bank of America since XX/XX/XXXXfor my financial needs so I'm writing you to explain my problem. 

In XX/XX/XXXX, I was physically and XXXX attacked by an intimate partner. He stole checks from me which he wrote to other people. He and the people he wrote these checks to are now in jail. 
This horrible attack led me to a XXXX diagnosis and an inability to work. 
I had a short term XXXX benefit from XXXX which ran out in XX/XX/XXXX. I have been unable to work although I am employed still using FMLA intermittent leave. This has pushed my income to near zero and I've used personal loans to get through it. 

Regardless What happened these last 2 weekends I could not plan for. a friend of mine using my car ended up being in an accident and he ended up getting arrested, this meant that money that I was supposed to deposit into this bank account had to be utilized for bailing my friend out and fixing my car. this meant that i did not have the time or the ability to contact each of these creditors who were about to pull money out of my bank account in order to stop the pulls from occurring. in 25 years I don't think I've had one bounced check NSF fee that wasn't related to fraud or dispute until now. I believe at this point there are 8 NSF fees in the last week all related to this particular event.I 'm hoping that you can remove more based on my situation especially said some of these {$35.00} fees are for charges of {$8.00} and {$20.00} which is it absurd fee to pay on charge that low. thank you for your consideration and concern.

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 2019-12-31 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: Southern Management Systems Inc.
State: TX

Complaint narrative:
I moved out of my student apartments back in XX/XX/XXXX, i had 3 roommates. There were no final charges billed. I was never sent a bill with my move out charges but today XX/XX/XXXX I logged on to the XXXX XXXX to find that they are wrongfully charging me {$1000.00}. I paid all of my months rent and there should be no reason for this overage that is now affecting my credit, and my co-signer XXXX XXXX XXXX credit, resulting in multiple denials.This is false an inaccurate reporting a violation of FCRA!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
HIPAA violation ... .. 
Commonwealth Financial Systems Inc Acct # XXXX Commonwealth Financial Systems ... .did not provide me a HIPAA release that releases my medical information to them ... .i am proceeding with legal action should this item not be deleted from my credit report within the required time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: NC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: TX

Complaint narrative:
I contacted the creditor and faxed all info over to their fraud department, I also sent the info to each credit bureaus and XXXX  has deleted the account. XXXX  and XXXX  are giving me a hard time to dispute and remove the account. The creditor US Bank is also giving me a hard time with removing the account after all information has been sent to them directly. They have requested the info and I sent the fraud department exactly what they needed

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