vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CUSO Home Lending
State: ME

Complaint narrative:
Mortgage account is to be paid by person residing in home, since I was evicted. I last made payment in XX/XX/XXXX, due to being on fixed income ( VA, SSA ). Mortgage company has not contacted me in regards to late payments, albeit I am listed as first placeholder on the note. I contacted the mortgage company in XX/XX/XXXX, in regards to the lack of communication from the mortgage company in regards to the account being late. I was informed that I was " refusing to pay '', when I never stated those remarks. I was informed back in XX/XX/XXXX, I would be contacted in regards to late payments, and/or any other changes to the mortgage. I received a call in XX/XX/XXXX, in  regards to a " forbearance agreement '', placed on the mortgage. I was informed the agreement was ending at the end of XX/XX/XXXX, to  which I never applied for a " forbearance agreement ''. Also, I was informed by the caller only when the terms are modified, should all parties be contacted. I attempted logging into the account on XX/XX/XXXX, and was unsuccessful ( see runtime error attachment ). I was able to reset my browser settings, logged in, and noticed the mortgage terms changed from XX/XX/XXXX, to XX/XX/XXXX. I WAS NOT notified by phone, email, letter, etc., in regards to the terms being modified. I may not be residing at the property address on file with the mortgage company, yet since it is being reported to my credit reports, it is of high importance to me any late payments, change of terms ( deferment, forbearance ) be brought to my attention from the mortgage company. The actions by the mortgage company is very unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: OK

Complaint narrative:
Ok so I got into a wreck on XXXX XXXX on XX/XX/XXXX I called global lending and advised them it was totaled out and I'm sure someone will be getting ahold of them soon over it so they had me fill out a total claims loss so I did and the car sat her in my driveway since well every time I found out something I called them and let them know as well they were okay with this process up until idk when but I woke up one morning and the car was gone out of driveway and loan and behold they canceled out my total loss claims and took the car filed it as a repo and called me to try and get me to buy it back from them so I can have it for the lawsuit its tied up in a lawsuit as we speak and they filed it as behind on payments since it was wrecked which is wrong they tried to force getting paid on it and screwed my whole score up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
My daughter received an invitation in the mail from Discover to apply for student loan. When she applied for the student loan for XXXX school year, Discover denied her and then requested a co-signer in which my wife and I agree to co-sign. Discover denied both me and my wife as well. Discover is penalizing us for receiving credit counseling services and for accounts that was paid off through this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 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 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I invested XXXX in crypto currencies in XXXX on the platform coinbase. Since 20days i have no access to my account. They locked it for no reason. Nearly daily i write support of coinbase. First tvey asked for bankstatements and then for detailed information. Both i gave them. Since that time ( 6days ) they dont respond. Now I need my investments. Its about XXXX and nobody is able to Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following account has been reinsurted to my TransUnion credit report. 

" XXXX XXXX XXXX '' This account has been reinsurted without my knowledge without notice as required by federal law section 1681 of the FCRA rules.

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 2020-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 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 2020-07-23 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: DC

Complaint narrative:
XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DC

Complaint narrative:
XXXX XXXX has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked XXXX to waive - are about {$1500.00} in late charges. XXXX  is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 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 2020-07-23 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: Ocwen Financial Corporation
State: DC

Complaint narrative:
Ocwen was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, PHH Mortgage became my new servicer. I have appealed to Ocwen to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. PHH refuses to correct this information because they said they were not my servicer during this period. I need Ocwen to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2020-07-23 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: DC

Complaint narrative:
XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX  became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2020-07-23 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: DC

Complaint narrative:
XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: DC

Complaint narrative:
XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2020-07-23 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: OH

Complaint narrative:
Experian continues to report a collection account from XXXX XXXX XXXX on my credit report to which a validation letter sent to them certified mail and a complaint filed on this website against this company and the collection company replied that they would have Experian REMOVE this bogus account from my credit report. 

Company responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response We have taken the necessary steps to remove this debt from the consumer 's credit report. The action will take place within 30 days of XX/XX/2020. No, follow up is needed, Experian will update the reporting after 30 days of the date provided.

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 2020-07-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Contacted XXXX XXXX and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Contacted Experian, XXXX, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 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 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: KS

Complaint narrative:
On XX/XX/20 I sent a letter to McCarthy Burgess & Wolff stating that I was a victim of identity theft ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ) The letter was sent Certified Mail Return Receipt, with a tracking # XXXX, and was in McCarthy Burgess Wolffs possession as of XX/XX/20. 
The letter explained to McCarthy Burgess Wolff that I am a victim of identity theft. In addition, the letter informed McCarthy Burgess Wolffs responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
McCarthy Burgess WolfXXXX was asked to provide me with the records I requested ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ). 
Again, McCarthy Burgess Wolff was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request. 
Despite the FCRA 's requirement, McCarthy Burgess Wolff has declined to provide the records I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
My lease with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - which I signed with 3 other roommates - ended in XX/XX/2019 before the lease ended. I have tried to get the collection company, National Credit Systems, and XXXX XXXX XXXX to allow me to settle my portion of the debt so that I can remove this from my credit report. 

My credit report shows that I owe {$14000.00} - which is incorrect. However, since I was one of four roommates and my portion of these costs should be 1/4 of that total. 

I am looking to settle this account as soon as possible as it is preventing me from getting a mortgage. I have asked XXXX XXXX XXXX and National Credit Systems to please provide a breakdown of the costs that are owed by me ( 1/4 of the total ) and any settlement offer to settle this account immediately, which would include noting on my credit report that this account has been settled and is paid and satisfied. They have refused, which is unfair since I was only responsible for one-fourth of the rent payments under the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo credit card charged off XXXX still appears on my credit report. 

Wells Fargo reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX credit card charged off XXXX still appears on my credit report. 

XXXX XXXX reaged the debt to make it look like it was charged off XXXX. 
It still remains on my credit file as a currently deliquent account. They have falsely claimed it was charged off XXXX. It was charged off XX/XX/XXXX Which is 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23 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: STATE FARM BANK, FSB
State: FL

Complaint narrative:
State Farm Bank insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the State Farm and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.

Company response to consumer: Closed with explanation