vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: FL

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-26 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-02-26 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My complaint is about the {$3700.00} in fees assessed to my mortgage. As you know, these fees were assessed by a predatory lender who is the subject of multiple complaints. Shortly after the bailout, I contacted my mortgage servicer for assistance as my mortgage payments were late and I was close to foreclosure. Although I made several attempts to obtain assistance by applying online, my mortgage servicer claimed to have not received any information from me, this happened several 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 explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have been contacted the last several days from phone number XXXX XXXX XXXX and have a voicemail as well stating that I took out a loan with Ace Cash in XXXX XXXX tx in 2018 and never paid it back. The voicemail states that if I dont call them back, they would contact my supervisor and also advise the XXXX XXXX County and I would be taken to court. I called the phone number back and spoke to someone who was asking me for my name, dob, and last 4 of my s.s. I advised them I did not know anything about a loan, however they proceeded to tell me that I needed to have my attorney call them to settle this or they would be seeing me in court. After I denied the validity of the statement about the loan, she said okay and told me she would see me in court, then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have attempted to retrieve information from IMC credit and XXXX  Since XX/XX/2019. I have not received the documentation but regularly contact them. I have had another account go to collection and have not seen an invoice. This was previously agreed to be removed from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a FICO credit score of XXXX. I hardly have 6 % of the debt compared to my credit limits ( across all the credit cards ). I have already paid off the Wells Fargo mortgage 100 % within 1.5 years. Still when i applied for the wells Fargo credit card - i was denied with some weird reasons.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
In XX/XX/2020 I refinanced my home loan with XXXX XXXX XXXX XXXX. My refinance closed on XX/XX/20 and my first mortgage was paid off on XX/XX/20. As of this date I understand that my mortgage servicer, roundpoint mortgage servicing corporation, has 30 days to refund the balance of my escrow account to me.

As of XX/XX/20, 21 business days later, I have still not received my escrow balance of my first mortgage. I called roundpoint and was told they processed my money from my escrow account on XX/XX/20 and that it will be a minimum of 20 business days for me to receive my money which they are holding. This is well beyond the 20 business days set forth by regulation 1024.34b they are legally allowed to hold my money.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
This started since XX/XX/2016. There was disaster in Louisiana. I signed up for foreberance. Two disaster back to back. Work was scarce and I had to ask for another. I try a pay payment plan. The keep starling. While I was going the foreberance they was reporting on my credit and they wasnt suppose to and they agree they were wrong. I ask them to remove it because, I try to get another car, I am an inspector and need transportation they never removed it in time I had to pay XXXX down payment. Which is what I owe them. It kept putting me behind. They assured me they round do a long Modification and they keep denying it. I talked to them. They kept telling me to do it. Misleading me to think I would get approved. Now it over two years and they still going the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is publishing inaccurate information on my consumer report they are reporting that my balance on my freedom loan is at {$9000.00} when the balance is {$8600.00} XXXX and XXXX  has the correct balance reporting but the balance that Equifax is reporting is inaccurate and is stopping me from obtaining additional credit because it looks as if I am over the original balance that was given to me when am not. I will send screenshots from XXXX and XXXX  and also show proof that Equifax is reporting an inaccurate balance I would like this to be updated immediately to the correct balance thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NV

Complaint narrative:
My credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
The PennyMacUSA mortgage company website has an online payment free login service. For months I have tried ( as have other customers ), to login and make an online payment. Every time I get to the point where I have ALREADY past verification codes, and security checks have been 'cleared ', the screen stays stuck at the 'successfully login screen '. The Green Check mark indicates login successful. Nothing changes. I can not access the 'Make a Payment ' screen and if you click on the menus up on the top, it 'kicks you out ' only to return you back onto the login screen. Nothing on the websites Home Page indicates one needs XXXX, XXXX, etc. My browser does have XXXX XXXX enable, no firewall or virus protection programs to block access. Even my security on my browser is minimal. I believe the company purposely does this in order to have customers use the 'Automated Phone Payment System ' which charges 'convenience fees '. Also if payment is made via Customer Service the fee also applies. The company is trying to make more money by having the NON - FEE payment method unavailable to its customers, especially at critical 'XX/XX/XXXX of the month ' period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Where is my statement as promised in writing and how to pay by mail without a monthly statement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NV

Complaint narrative:
My credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I recently received a letter and calls from Midland funding trying to collect on two debts- XXXX ( XXXX ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the XXXX account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for XXXX-XXXX of the cashiers check. I need this to be corrected and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I recently received a letter and calls from XXXX XXXX trying to collect on two debts- HomeDepot ( CITI ) {$1400.00} and XXXX XXXX ( XXXX XXXX ) {$1000.00}. I tried to explain that I had paid the Homedepot account XX/XX/XXXX but they informed me that they have no records and I have to pay and offered 10 % off both accounts if I decide to Settle. I went ahead and set up payment arrangement and they're to take {$25.00} per account the month of XX/XX/XXXX and starting XXXX, {$100.00} each. After I had set up the payments I found the receipt of the settlement agreement for CITI-HomeDepot of the cashiers check. I need this to be corrected and removed from 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
Consumer complaint received 2020-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please see attachment, it is important to mention that the bank 's XXXX XXXX is a key employee I had a XXXX XXXX complaint concerning now at the FDIC and the bank nationalized due to their links to my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
THE MIDLAND CREDIT MANAGEMENT IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A XXXX  XXXX ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
This debt was paid XX/XX/XXXX with check # XXXX. I recently pulled my credit report and it is still showing unpaid and with a balance on my credit report. This is hurting my score and the chances of me getting my home. The rep I spoke to said they will remove this from my credit report in 30 days.

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 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THE XXXX XXXX XXXX IS A COLLECTION ACCOUNT DUE TO IDENTITY THEFT. I NEVER HAD A CAPITAL ONE ACCOUNT THEREFORE THIS ACCOUNT IS ALSO FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: MS SERVICES LLC
State: CA

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO THE BUREAUS AND ALSO TO THE COMPANY WHERE THE FRAUDULENT ACCOUNT WAS OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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:
DISCOVER BANK ACCOUNT WAS OPENED AND MAINTAINED BY A THEIF, THIS ACCOUNT WAS NEVER AUTHORIZED BY ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. I HAVE SENT THEM EVERY SINGLE DOCUMENT THEY HAVE REQUESTED BUT YET THEY ALWAYS TELL ME NOT ENOUGH INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I co-signed for a car, for my grandson. The interest was very high at 14 %, but once I started making payments I see that, I'm being charged 50 % or more rather than 14 %. My payments are going toward interest. I did talk to customer service regarding my bill ; to know avail. I do not understand there billing method ; practice. I am being severally over charged. Please look into my payment history with this bank. 
Thank you ; I look forward to hearing from you. 
Sincerely, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun has violated my rights under section 623 ( a ) ( 2 )  willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
XXXX has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.

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 2020-02-26 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: CA

Complaint narrative:
XXXX has violated my rights under section 623 ( a ) ( 2 ) willfully updating my consumer report with information that isnt 100 % accurate nor complete. I am requesting immediate deletion of this account for your failure to comply with the law under the FCRA federal code.

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 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Credit Card Fraud claim XX/XX/XXXX {$470.00} UNAUTHORUZED TRANSACTIONS. see attatched statement of XX/XX/XXXX. ( XXXX +XXXX +XXXX   +XXXX +XXXX +XXXX +XXXX +XXXX +XXXX +XXXXXXXX +XXXX   +XXXX +XXXX = TOTAL {$470.00} ) NO XXXX XXXX transaction of {$120.00} IS NOT INCLUDED in the {$470.00}. Ms XXXX USAA LIES THAT THE XXXX XXXX WAS PART OF FRAUD I REPORTED XX/XX/XXXX. THIS PROOVES IT WAS NOT. XXXX LIED PREVIOUSLY MANY MANY MANY TIMES. Ms XXXX is NOT CREDITABLE. see attatched XX/XX/XXXX statement. XX/XX/XXXX SAME CHARGES APPEAR. 
With an F in ref number ( XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX+XXXX +XXXX +XXXX ) Kindly note XX/XX/XXXX transactions have ( F ) in reference numbers indicating these are previous fraud charges that USAA put BACK ON CARD. There is no ( F ) in ref number on the XX/XX/XXXX statement. The transactions XX/XX/XXXX were supposed to be CREDITED for the fraud XX/XX/XXXX BUT WERE CHARGED INSTEAD. see Fraud letter XX/XX/XXXX XX/XX/XXXX claim date. This error has been reported numerous times. Ms XXXX says all accounted for properly after her review. ( Ms XXXX the XXXX XXXX WAS NOT REPORTED AS FRAUD XX/XX/XXXX. It is NOT INCLUDED IN the {$470.00} charges. ) DEFAMAMATION REPORTED. The XX/XX/XXXX charges should be CREDITED for the fraud of XX/XX/XXXX. AND ALL CREDITS CLEARLY ARE NOT CREDITED PROPERLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation