vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid the Property taxes Loancare had illegally paid without my consent on XX/XX/XXXX, in attempting to change the terms of my loan and force place me into impound/escrow for taxes. The County Treasurer sent the same amount to Loancare the same day, XX/XX/XXXX-Loancare held the payment and would not credit my account until XX/XX/XXXX. 

On XX/XX/XXXX, I retained an attorney to resolve continued illegal attacks on my sovereignty by Loancare. 

By XXXX/XXXX/XXXX, I was forced to mail my regular payment of a cashiers check via tracked USPS, since I was prevented from using the Loancare website or pay by phone to make my regular payment as due, I was locked out. 

Loancare received this payment XX/XX/XXXX, but did not credit it to my account until the next day XX/XX/XXXX. Loancare has previously delayed credit of my payment on other occasions, pretended I paid late and charged a late fee. 

By XX/XX/XXXX, the matter was considered resolved by my attorney. Loancare appeared to have the fixed most account errors, reversed late charges, located the tax refund from the XXXX County Treasurer and credited my account and refunded a small amount belonging to me after the corrections were made. The account detail on the Loancare website also reflected the credit of my XX/XX/XXXX payment ; but the website erroneously indicated a next payment due XXXX-the next payment is due XX/XX/XXXX. Another mistake already. Then, a late charge on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the online account screen now indicates an unpaid late charge. This is not accurate, I am up to date. 

Loancare continues making mistakes, erroneous charges, delaying posting my payment and pretending I am in default, even as the issues are being resolved by an attorney at my expense.

All the while, Loancare continues to send embarrassing letters stating I am behind on payments and threating foreclosure. And Loancare Loss Mitigation continues to call me several times each week. There is no reason for Loancare to call me. This is disruptive. 

When I returned Loancare 's call today, XX/XX/XXXX, I was verified through the automated system. XXXX, who answered, would not transfer me to a supervisor or answer my questions of why they were calling me, so I informed her I would file a complaint. 

Loancare continues to attack me by changing the terms of my loan, attempting to charge me late fees, trying to deceive me into believing I am in foreclosure and fraudulently reporting late mortgage payments to credit bureaus. 

These acts by Loancare are injurious and costly.

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: TN

Complaint narrative:
Remove the fraudulent accounts

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 — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Date : XX/XX/2020 I have contacted my attorney and the local police department which have both told me that criminal records should not be showing on my background check 7 years after conviction date. 
I have been looking for another job for years and my criminal background has prevented me from finding another job. 
statement from fair credit reporting act " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I completed a Criminal background check on myself in MN using TransUnion.com.

I verified that my record still shows and even after 7 years from my conviction date. Also, the number of records showing is 4, this is not correct, it should be only 2. 
please have my record removed from public systems, I have a family I need to support.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: CO

Complaint narrative:
From Credit Service company. On my credit it is showing a XXXX  balance and I am asking to have it removed please because it is paid and is affecting my credit. 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my credit report and found a fraudulent account

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 2020-02-26 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I have evidence which will identify that I have had the crime of fraud against me as well as other detailed felonies. 

Please refer to the attached documentation that goes into detail about the fraud that I have been a victim of by : XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX, And subsidiaries : Saxon Mortgage Company, Mortgage Electronic Registration Systems, Ocwen Loan Servicing and PHH Mortgage/ PHH Corporation I am a victim of identity theft. My unique signature has been forged in two different forms. One on the Mortgage note and the other form on the Mortgage Documents. 

Given that the Bank has chosen to mail these fraudulent document, it is also mail fraud. 

I have fought this case Under Index # XXXX/XX/XX/XXXX Supreme Court / XXXX County/ New York This case could not move forward and the Bank sold this debt to Ocwen Loan Servicing and they indicated another action under Index # XXXX/XX/XX/XXXX. 

I have attached all of the documents that will back up the identity theft, forgery, mail fraud and misrepresented documents to the Court.

The Bank and Subs willfully mislead the Bank with false and inaccurate documents.

Please review the attached. There has been 3,072 cases of Mortgage Fraud reported against this Bank and or its subsidiaries.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
An unauthorized hard inquiry from this company.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
An unauthorized hard inquiry from this company.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I looked at my credit report and found a fraudulent account

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I looked at my credit report and found a fraudulent account

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: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/2020 and I was not approved because there is an account in negative standing appearing on my credit report. This account is not mine ; I did not open this account nor have I ever allowed anyone to open this account on my behalf. I'm not sure who opened this account or how this person got a hold of my personal information. I did not make any purchases or payments towards this account nor am I affiliated to this company in any way. I have filed this report to the best of my knowledge and I have also already filed a police report regarding this account.

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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This complaint is in regards to the fraudulent reporting of LVNV FUNDING LLC on my credit reports. I have contacted this company several times and nothing has been done to remedy the situation. I have attached credit reports which reflect the inaccuracy of their reporting along with the dates and the amount they claimed is owed.

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 status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XX/XX/2019 we entered into a legally binding agreement with Suntrust to begin a Trial Period plan which was required before completing formal loan modification. Suntrust provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XX/XX/2019. 

After applying for a new mortgage recently we were denied because Suntrust reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with Suntrust during those months and were following detailed instructions which included making trial payments. In addition Suntrust reported different information to XXXX  than they did to XXXX  & XXXX. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and XXXX. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I found one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. 

The 6th Circuit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : 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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage Services claim I did not pay my XX/XX/2020 mortgage payment even though a hard copy check was mailed to them XX/XX/2020 in the amount of {$540.00} and my XXXX XXXX XXXX statement clearly shows the money was withdrawn out of my account. According to customer service it is up to me to provide proof I paid and until then I will receive a late fee and will have a negative report sent to the credit bureau on XX/XX/2020. XXXX XXXX XXXX shows the check posted XX/XX/2020. I printed out my XXXX checking account statement and faxed it to them as proof as they requested. Also my XXXX account says " No image is available for this check because it was processed by the merchant as an electronic transaction '' and provides a check number and tracking numbers. Apparently this is now not good enough proof as I have been calling Carrington Mortgage Services daily and am told I have to get an image of the actual check. I requested XXXX customer service to do further research and try to find a picture of the check or at least more details. They stated this could take up to 2 weeks and they can only mail it to me. In the mean time my credit will be affected.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Xapo, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to use my Xapo Debit Card at an ATM to withdraw money, and it was declined, I receive a text message shortly after which read, " Xapo Inc. Alert : Due to recent cash activity your card has been deactivated. Please contact us to reactivate your account. '' I proceeded by immediately emailing them, asking what I needed to do to resolve, as they have no phone number. They replied the next day, the XXXX with, " XXXX as mentioned we are working on your request. 

Once we have a feedback, we will let you know -Tim '' I replied that same day informing them of the text about my card being temporarily suspended, and asked them what to do. 

They responded on theXX/XX/XXXX and they told me " We understand your concern XXXX and again we are sorry that this is happening. 

Our team is trying to find a solution and once we have a feedback we will let you know XXXX '' Again, I replied back and told them I was extremely frustrated, and they can not or will notdo anythig to allow me to access my funds

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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX and 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 2020-02-26 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: I.C. System, Inc.
State: GA

Complaint narrative:
The company was removed from credit repoerts and place back on them.

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: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: LA

Complaint narrative:
A loan was taken with Sallie Mae, account number XXXX, in XXXX. Complainant subsequently declared Chapter XXXX bankruptcy with this loan listed on the debt schedule, and Order of Discharge as issued on XX/XX/XXXX. 

The United States Fifth Circuit Court of Appeals Decision in Crocker, v. Navient Solutions, LLC, No. 18-20254, ( 5th Cir. November 21, 2019 ) states that such loans as the one mentioned above are dischargeable in bankruptcy. Therefore, this loan was discharged in bankruptcy on XX/XX/XXXX. The Respondent, Sallie Mae, the information regarding this loan was reported to credit bureaus as if it were not discharged. Many correspondences were sent to the Respondent informing them of their error, but no substantive response was received to these complaints. Respondent Sallie Mae was carbon copied on all disputes sent to the credit bureaus and was also noticed of these facts directly by letter. They are currently intentionally reporting the incorrect information right now despite the fact that this is a violation of the order of discharge and federal law. 

Any documentation or information regarding these incidents can be produced upon request. For your convenience, a copy of correspondence to and from Sallie Mae is included in an attached .zip file. Additionally, the .zip file contains a copy of any responses received and the bankruptcy Order of Discharge.

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 2020-02-26 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX and 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 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hello, While away on vacation in XXXX of 2017 my card was fraudulently charged for several items. Barclay bank perform an investigation and subsequently restored the transactions. Once I asked for the documentation for the reversal was told only with a lawyer via a subpoena can they release records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief