vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has me listed as be deceased resulting in my card card at XXXX XXXX being blocked. I first reported the inaccuracy in XXXX. I have tried everything to get Experian to believe I am alive.

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 2019-05-18 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: IN

Complaint narrative:
My idenity was compromised while serving oversees. XXXX is currently reporting a account in my name that doesn't belong to me. I demand that this item is removed from my credit report 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 non-monetary relief
Consumer complaint received 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full

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 2019-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been charged multiple late payments fee which my payment was not late. The payment was received 2 -3 days after the due date. Per company loan contract. Late fee {$14.00} will be assessed if the payment is received 6 days after the due date. I have highlighted the payments and late fee charges that I believe it is not correct. I tried to contact the company and they are so rude. I could not resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a mortgage with Bank of America for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent B of A documentation dozens of times in order for me to have access to the account allowing B of A to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.

B of A recently transferred my mortgage to XXXX XXXX XXXX. It should be mandatory that when a company transfers a mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. Bank of America did not do that. 

I called XXXX and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is XXXX refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! 

They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! Bank of America has those documents and has received them more times that I want to recall. Bank of America needs to contact XXXX with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but B of A and 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 2019-05-18 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
The dispute is with Bank of America, N.A. 
Attention : XXXX XXXX Dispute XXXX XXXX XXXX XXXX XXXX, FL XXXX My mortgage is not showing up correctly on the 2 of the 3 major credit bureaus. It is correct on the XXXX  report as it shows the loan active with the current balance. For XXXX and XXXX XXXX the account is being reported as closed with a incorrect open balance. This inaccuracy, is greatly impacting my score with XXXX  and XXXX XXXX. In fact I was recently denied a loan for not having a mortgage as they pulled my XXXX XXXX report. My mortgage is current and on time and I am due to pay off my mortgage early. 

I am sure you can understand how this oversight is hampering my credit history. There is a HUGE discrepancy in my credit scores between the different bureaus. 

I have sent letters weekly for 5 weeks with no responses. 

Please help me resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al 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 non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I received a letter saying that I have been placed with a agency for collection. Saying if I don't pay within 30 days they will report it to bad debt collection. I tried calling to find out what the letter was about and got a recording saying to leave my information and they would call me back then went to there website and my computer showed a promoted saying the website was not secure that I needed to back out of the website cause the website has been flagged as a scam. I have no idea about the debt in question and the letter does not explain what it is for either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion had my mortgage listed as being included in my Chapter XXXX bankruptcy ( discharged in XX/XX/XXXX ) and didnt have anything listed about my many years of on-time payments, nor the open status of the account. I disputed this and instead of updating their records to reflect the correct status of my account, they deleted the account from my credit report entirely in XXXX of this year. 

When I contacted TransUnion via phone, I was told that deleting the account was the only way to correct the information on TransUnions system, as it would then be replaced with the correct and up-to-date information my mortgage holder, XXXX XXXX, would be reporting to them. The man I spoke to said it should update automatically, but if not, directed me to contact XXXX XXXX. 

In a letter dated XX/XX/XXXX, I contacted XXXX XXXX since my mortgage still wasn't appearing on my TransUnion file. In a XX/XX/XXXX phone conversation with XXXX XXXX of XXXX XXXX I was informed that XXXX XXXX had been reporting my open mortgage account to all of the major credit bureaus as of XX/XX/XXXX and that any error was on TransUnion 's part. 

I believe that this issue is negatively impacting my TransUnion credit score.  XXXX and XXXX both have my XXXX XXXX account listed and with correct payment information. My FICO XXXX score from XXXX is XXXX. Per XXXX, my XXXX XXXX XXXX score is XXXX and my TransUnion XXXX XXXX score is only 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 2019-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Back in XXXX OCWEN LOAN SERVICING took on our loan # XXXX in the amount of {$600000.00} of which {$580000.00} was the original loan previously! We continued to make the payments on a monthly basis, this mind you, was a loan modification with balloon payment at end of loan. Fast forward to XX/XX/XXXX, Our loan balance was increased {$46000.00} from the Lender out of our control. Documentation available in attachment. 
What we are seeking is fairness in lending practice, Please seek the amount added on to our loan and reinstate our loan to the balance that we had previous to XX/XX/XXXX. 
We have been through 3 loan modifications in 11 years and currently owe a larger loan amount then we owed 11 years ago, we never borrowed against our home since XXXX. 
I know many years have gone by since XXXX, but we are mainly interested in getting back the {$46000.00} that was added to loan balance on XX/XX/XXXX. 
Thank you, sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Was not notified of investigation status or results
Company: USCB, Inc.
State: CA

Complaint narrative:
this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have had a mortgage with XXXX  XXXX XXXX for about 13 years. It has been beyond challenging every step of the way. The mortgage is in the name of the Estate of my deceased partner. Early on, I sent XXXX XXXX XXXX documentation dozens of times in order for me to have access to the account allowing XXXX XXXX XXXX to discuss the loan with me. Finally the last few years have been somewhat smooth as I am the only one associated with and paying this loan. I pay the mortgage on time and for the past 3 years or so have been paying an extra {$500.00} a week. Finally their system was posting the extra payments properly to principle.XXXX XXXX XXXX recently transferred my mortgage to Select Portfolio Servicing. It should be mandatory that when a company transfers a  mortgage they they transfer the mortgage with all documents and authorizations that belong to the mortgage. XXXX  XXXX XXXX did not do that.I called SPS and via the automated system was able to deduce that they are not posting my {$500.00} to principle but instead to future payments. That is not the way I want it and I have the right to make extra principle payments. The problem is SPS refuses to speak to me because they way I'm not authorized on the account. INFURIATING!! They say I have do dig up the past related to the death of my partner and find old documents and prove I'm authorized on the account. I'M NOT DOING IT! XXXX XXXX XXXX has those documents and has received them more times that I want to recall. XXXX  XXXX XXXX needs to contact CPS with the documents and then get all of the principle payments sorted out as that is impacting the amount of interest I pay. The consumer should not have to fix the problems that to big lazy institutions have created. These kinds of errors and sloppy postings could ultimately create issues that might impact my credit. I want this fixed now but XXXX XXXX XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: MI

Complaint narrative:
The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt. 

I don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something

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 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I received a notification from XXXX credit reporting agency that my credit score was decreased by 46 points because of a negative entry submitted by Radius Global Solution for {$100.00}, I called Radius Global and asked them to verify the debt over the phone and in writing because I did not even know what the debt was for. The phone agent transferred me to an alleged supervisor. The supervisor, when attempting to verify my contact information, told me my address, which was not even correct. I was told By the supervisor I would receive an email verifying the debt. To date, I have not received any email. This company submitted a negative entry to my credit report without giving me an opportunity to even see the debt or pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: CO

Complaint narrative:
XXXX Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full

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 2019-05-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES
State: MI

Complaint narrative:
The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt. 

I don't owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: AL

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
XXXX/KAY JEWELERS has reported inaccurate information to the credit bureaus. Such as but NOT limited to ; Account Number, Creditor Name, Account Open Date, Account Closure Date, Account Charge off Date, Payment History, Names, Balance, Amount Charged Off. 

Due to the inaccuracies in my credit reports, I demand that the validation I hereby request, be validated in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of a returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please note that I am also requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested a copy of my credit report through Equifax and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. 

I disputed the account with Equifax and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that Equifax, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive asked and disputed with XXXX, asking to provide the documents supporting and proving the ownership of acct, they failed to do such and just updated amounts owed on the acct and closed it, if they can not provide proof of ownership then this needs to be removed from my credit as I have asked them directly multiple times via phone ( not saying someone committed fraud )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
Dir Sir or Madam Following a mortgage transfer from XXXX XXXX to Arvest Central Mortgage, I found myself to be a customer of Arvest bank in XX/XX/XXXX for a Rental property I purchased on XX/XX/XXXX in XXXX. 

On XX/XX/XXXX, my tenant provided me with a an account statement letter dated XX/XX/XXXX requesting the XXXX payment. At first Arvest mail was sent to the loan property and not to my home address. 

On XX/XX/XXXX, I contacted the bank and issued a payment for the month of XXXX and initiated an Auto Draft to withdraw the mortgage automatically from my Bank Account. I received a confirmation email ( attached ) stating that auto payments will be processed starting XXXX. At this point, my assumption is that the Bank will indeed process the payment automatically. 

On XX/XX/XXXX, I received a notification that a derogatory account notice was put by Arvest on my credit report. I reached out to their customer service team and I was told that the auto payment didnt happen for XXXX nor XXXX and it should only happen automatically for XXXX. I want to believe this is a mistake on their behalf since I was working on the assumption that they will be processing the payment automatically and I never received such information that contradicts the email attached. 

That same day, their team processed an auto draft for both XXXX / XXXX payments ( Confirmation attached ) but refused remove the derogatory notice on my credit report. The first written communication with this regards I received was dated XX/XX/XXXX disregarding the payment that was made. 

The derogatory notice on my credit report has severe consequences on my personal and professional situation. I work as a consultant and advisor to some of the largest financial institutions in the US and a stellar credit report is a requirement for my work.

Based on the circumstances I described below, I kindly ask that your help with Arvest Bank to reverse that notice on my credit report and that no other actions are necessary on my behalf. 

Thank you very much Best regards, XXXX

Company response to consumer: Closed with explanation