vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining 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
Consumer complaint received 2019-10-09 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: CA

Complaint narrative:
There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining 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
Consumer complaint received 2019-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This collection company levied my bank account and left me with XXXX dollars without any notification of a debt. When I spoke to them they indicated it was a debt from 2004. I asked for proof where the debt collections was sent to and the represantive was not able to confirm where it was sent, she kept throwing different addresses at me. I have not received a phone call or letter from this collector. In addition, I was not served with a levy from anyone or a notification of a judgement. They took my money I need to support myself and my family without any indication. I don't even have XXXX cents to buy a candy if I wanted to. This is unfair practice and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX Hospital and services were cancelled and billed paid. when bill received proof of payment provided more than 3 yrs ago. Company sent to collection agency IC systems who were also advised of both paid prior and dispute. Both companies rude, unprofessional and refused to resolve the matter! 
Unacceptable customer TREAMENT and account handling!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX  had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp   representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XXXX of 2019, my husband had lost his overtime at his job. We rely on the overtime to help us pay our bills. We have small children and I am a XXXX XXXX XXXX XXXX. At that point we were behind two months behind on our mortgage ( XXXX/mo ) and with no end in sight we started the loan modification process through Mr Cooper. We got all of our paperwork together, wrote a letter stating why we needed to go through with this, listed all of our expenses etc. We faxed the first set of paperwork on XX/XX/XXXX. We followed up with many phone calls each week to make sure things were going where they needed to be, but we never had the chance to speak to the same person. Multiple phone calls led to different answers from different people. We were given different information each time we called. This went on for weeks. Another phone call led us to a " specialist '' who told us in order for them to continue with the load modification, we would have to be current. We took every penny of our tax money and paid them in XXXX. A week or two after, we were denied the modification because we had become current. To say we were frustrated was an understatement. Here we are again, three months behind because we had lost the overtime once again. I spoke with a HUD counselor today that referred me to here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint regarding Chase Bank and their trusted XXXX app. 
Any app that is used on the interface of our Bank we as consumers trust our bank to protect us and our funds. 
A transaction was made online ( XXXX ) via my bank account using the XXXX feature to send money ( a  total of {$100.00} ) for goods ( tickets to a show ) to a person with whom I would find was false and was a scammer ( XXXX XXXX ). 
After multiple phone calls to my bank and XXXX I am told I am at fault and the bank is not able to honor the request for the funds. I was told by one of the Claims specialists on ( XXXX ) I would receive the money back from XXXX in 10 business days only to find an email that denied the claim the next morning. 
The bank only offers an apology stating the customer claims agent spoke incorrectly and I would not be able to receive any money from the false transaction. 
I feel this is wrong. The Claims personnel should be held accountable to what was stated and recorded by the Bank. The Bank should NOT be able to advertise on my banking account an application for money sending that is NOT secure nor does it protect the bankees. 
As a courtesy, the bank should offer not only an apology, but money reimbursed for the issue. 
At this time no action can be taken by the bank. 
XXXX is looking into who was the scammer and will do their best to freeze any future transactions coming from the email associated with the seller/scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I contacted the company rep in XXXX of XXXX.The rep said I would receive info in the mail to file a dispute, it never came and they passed me around to different personal for 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian has not provided me with a way to check on the status of two disputes I have submitted on my credit report : Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX and Creditor : XXXX XXXX XXXX XXXX I have attempted to get the status on the website but it sends me in a loop. I log in and then it brings me to another login page again over and over. I attempted to get answers via their XXXX page and they referred me to their customer support number which I called and waited on hold with for 25 minutes on two separate occasions where I was disconnected both times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Good day, today I got my new credit report from credit monitoring My Fico, and I'm still see that Equifax and XXXX still reporting a late payment on XX/XX/2015. When is not a late payment reported in XXXX. These account is been dispute several time, and always came back as verified. How one Credit Bureau report a different information compare with the other two. The only way negative accounts can actually stay on your credit report if it is complete accurate and verifiable. 
Also Credit Bureau should get information from the same Furnisher ( XXXX XXXX ) in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
XX/XX/XXXX i was contacted by XXXX  XXXX XXXX inquiring if i had opened an online bank account. I stated no. I was told an account had been fraudulently i opened using my information. I was also told a solicitation check bearing my information sent to my address by a company named MARINER FINANCE was deposited in this fraudulent account via an ATM Machine, hence creating some type of loan in my name. I subsequently was told by my UNITED STATES POST office that all our boxes had been shut down in the neighborhood due to mail theft, vandalism, stolen mail ongoing. I immediately located this MARINER FINANCE company branch and notified them of the IDENTITY THEFT & FRAUD. I obtained a copy of the fraudulent check from them. I then notified XXXX XXXX of fraud and filed IDENTITY THEFT WITH THE FEDERAL TRADE COMMISSION, POSTAL INSPECTOR & POLICE DEPARTMENT. I also froze all of my credit reports and placed fraud alerts. MARINER FINANCE refused to give me a corporate office to send IDENTITY THEFT reports, police reports to. I located the corporate company and mailed with tracking all reports and demand to clear account and my name. along with furnishers. Deceptively they have reported this FRAUDULENT account to my credit report transunion, maybe others now as well. they continue to send me mail, statements etc ... completely ignoring this is IDENTITY THEFT & FRAUD. Ignoring the police reports, federal trade commission reports, documentation provided to them Adding to this victimization of me as an IDENTITY THEFT VICTIM, the copy of the stolen check that I recived UPON MY FIRST NOTICE TO THIER LOCAL BRANCH, on the back information THE THIVES FILLED OUT- NOT my signature, NOT my email, NOT my birth date, NOT my phone number, NOT my handwrighting, Also state in several places '' 2 FORMS OF ID REQUIRED obviously that was not done.As per XXXX  XXXX XXXX fraud Department this was deposited into an ATM machine. This is the worst deceit i have seen from any company.RANDOMLY PRINTING CHECKS WITH PEPOLES SOCIAL SECURITY NUMBERS, PERSONAL INFORMATION ON THEM SHOULD BE ILLEGAL! I DID NOT REQUEST THIS NOR DID I HAVE ANY DEALINGS WITH THIS COMPANY EVER. HOW DID THEY GET THAT INFORMATION IN THE FIRST PLACE?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The foreclosure dates given was XX/XX/2019 I called before that date and they changed it to XX/XX/2019 and I called again and was told the foreclosure date was suspended and will get the information in writing never received anything in writing. Almost everyday and Im told different things from varies operators. Finally spoke to the XXXX he said that he would fax it today and still havent received anything. Also I received a modification application and I filed it out and they said that I was denied but I sent it on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 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: PA

Complaint narrative:
Experian Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

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 2019-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MI

Complaint narrative:
I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Store is called Ace cash express I have been going there for quite some time during hardship always paid my loans back. It came to a point that I was having more hard ship finances, medical bills.. etc. My bank accounts closed due to NSF didn't realize they would be effected. I did not received any letters from them or a collector.. Recently on XX/XX/2019 my mother in law and wife received back to back phone calls from a phone number XXXX stating that they are looking for me and they have a warrant for my arrest and a subpoena for court if I dont call XXXX XXXX and set up a payment with them now ... When I called they were the ones who advised the original creditor was Ace cash express located at XXXX XXXX XXXX XXXX XXXX Ca ... I called my bankruptcy lawyer which Im in the process of filing and he advised to file a complaint because it sounds like a scam.. They do not supply a address to send payments to they want payments to be made electronically only ... I tried calling that number XXXX and no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
Hi, I have tried repeatedly for over a year to get the title or something stating there is a lien that I can take to the SCDMV and get the license plates so that I can get my South Carolina tags. 
I personally thought I paid this off in XXXX, at the time I had lost my mother and while taking care of her estate had the mail forwarded to my brothers. So never really thought about it until the tag issue, paid my registration online and carried liability insurance. I never received any phone calls about this or notices. 
When I called North Carolina DMV to get a copy of the title, they told me there is a lien holder Nissan Motor Acceptance Corp since XXXX but when I call Nissan they tell me they sold the loan to XXXX XXXX and will not even discuss the issue just transfer me to XXXX. I get the run around every time with this recovery company. The excuses are my manager is on another call or break and have held on the line for a minimum of 30 minutes each time. This again, happened today so I have no other option than to file this complaint. 
If they sold the loan to XXXX XXXX, why does NCDMV have the lienholder as Nissan Motor Acceptance Corp? 
I would like a resolution if you could help me with this please it would be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation