vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Klarna AB
State: NJ

Complaint narrative:
Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-04 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: TX

Complaint narrative:
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Account below XXXX XXXX XXXX XXXX # XXXX, Open Date XX/XX/, {$13000.00}

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 2018-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have written numerous times to Eqifax and I have asked them to verify a Collection on my report, I have written to the Company and tell constantly tell me the debt is mine. Equifax has only written to me telling me, the debt is mine. The debt is not mine and Equifax will not delete this from my report as the other two reporting agencies have. I would like your Organization to look into this from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below XXXX XXXX XXXX # XXXX Open Date XX/XX/18 {$4000.00}

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 2018-11-04 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: Credit Karma, LLC
State: TX

Complaint narrative:
XX/XX/2018 @ XXXX Made a call to XXXX XXXX which claims they have no record of the inquiry company, XXXX XXXX is an outsourced call center, Credit Karma is automated and I can not get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This company Phoenix Recovery Group is trying to collect {$2200.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Phoenix Recovery Group with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Phoenix Recovery Group. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Phoenix Recovery Group.  They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX  XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this due to non-compliance with the CRA Experian They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Information sent to Experian Please find attached and circled the item that I an at present questioning. It is to be noted that the item in specific may be affiliated with personal information that you have remove prior. See attached

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 2018-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Total Card, Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 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: TX

Complaint narrative:
On several occasions I have written to Transunion sending in proper identification and requesting that they reinvestigate the inquiries on my credit report. They have since flatly refused to do so despite several written requests over the last few months. My wallet was stolen in XXXX, Texas two months ago and I have placed security freezes on my credit reports with the other two credit reporting agencies and they have both complied with my request. 

Transunion continues to refuse to reinvestigate these inquiries and are in violation of the Fair Credit Reporting Act

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 2018-11-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Sir, OnXX/XX/2018 I filled out an application for investing in certificate of despite accounts for {$200000.00} Penn Fed Credit Union automatically checks credit which effects my credit score. When I contacted them about my application. They had no record of it. They said I would have to apply again and my credit would have another hard inquiry. They also informed me that they keep these on line applications for 90 Days. Well again they don't have mine. They offered me no solution. I made two attempts to have this resolved by phone. I could write a certified letter however I believe this is unfair so I'm hopping CFPB can help. My credit score is excellent and I want it to stay that way. I am XXXX yeas old and have maintained excellent credit all my life. XXXX is involved.

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 2018-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I checked my Transunion credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below ; XXXX XXXX XXXX # XXXX, Open Date XX/XX/18 {$4000.00}

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 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have XXXX on one XXXX on another and XXXX on the other and accounts that are at XXXX balances

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 2018-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX filed a foreclosure complaint against me on XX/XX/XXXX and that foreclosure complaint was DISMISSED on XX/XX/XXXX, attached. We have made several complaints against XXXX & Ocwen with the CFPB in-regards to their ownership. There is no default to XXXX or Ocwen as they do not own the mortgage and/or note for our property. In XXXX of XXXX, XXXX/Ocwen prepared a settlement offer for {$260000.00}. We were approved and then later denied a home equity loan from XXXX because of title issues. We and our attorney made XXXX/Ocwen aware of XXXX issue via email. We also attempted to remediate this issue by filing a case # XXXX and a prior case # XXXX with CFPB. This matter has caused us serious hardships, please review and reopen my former complaints, along with this complaint against these agencies. 

XX/XX/XXXX XXXX reached a {$600.00} XXXX dollar settlement over charges of abusive mortgage practice and in XXXX of XXXX, around the same time we filed a complaint # XXXX with CFPB, CFPB sued Ocwen for failing borrowers throughout Mortgage Servicing Process. These agencies should be held accountable for filing a foreclosure action that was DISMISSED. If we would not of won our appeal we could of lost our home and been homeless. Please provided relief and assistance to ensure we keep our home and have them pay our attorney cost. They dont have standing and they dont have the right to foreclose. I have not been able to refinance or do anything for three years because they dont have any standing.

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 2018-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX and XXXX have been in direct violation of the following : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. ( Equifax, XXXX and XXXX   are unable to verify ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. '' FCRA SECTION 616 & SECTION 617 after disputing UNVERIFIED ACCOUNTS. 
They have failed to provide me with verifiable proof required, this is evidence that it does not exist and therefore is proof that Equifax, XXXX and XXXX can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

THIS INFORMATION WAS REVISED XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company NCA is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from NCA with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay NCA. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and NCA. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Following Payment in full of this account in XX/XX/XXXX - I have requested multiple times a final official credit card statement. The XX/XX/XXXX statement provided to consumer by Capital One Bank, NA shows a balance of XXXX. For accounting purposes, the account should have generated a final statement reflecting the current PAID IN FULL XXXX BALANCE. I request the statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One Bank, NA online profile indicates that a statement did cut for those statement cycle dates. However, these statements were not provided to consumer and remain disabled/blocked unable to be viewed online by both Capital One customer service representatives and consumer. 

Additionally, I request clarification as to why under the XX/XX/XXXX statements a duplicate statement for XX/XX/XXXX is shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

Hunter Warfield Amount : {$6700.00} Original Creditor : XXXX XXXX at XXXX XXXX The account was dispute directly with the collection agency. It has been 120 days with no validation of debt. Original request for validation was sent on XX/XX/2018. This account has also been DISMISSED in court. All pending charges have been dismissed. Please see attached documentation provided by XXXX County Court House. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 
Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 

Please DELETE the above account as quickly as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation