vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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: GA

Complaint narrative:
The XXXX XXXX  account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX  ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery One, LLC
State: GA

Complaint narrative:
I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. 

I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. 

Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: GA

Complaint narrative:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm reporting that Citi is not properly handling the closure of the card due to fraud. 
On XX/XX/XXXX I received an alert via text and email that there was a declined attempt to use the card in XXXX. I replied that I do not recognize this transaction and also in just a few minutes I called the number provided, spoke with the person who verified the last valid transaction, and said that I'm going to receive the new card in a few days. 
On XX/XX/XXXX, I chatted online to inquiry about the status of the card : they could not help as they said my account was not accessible. 
Today is XX/XX/XXXX, I do not see any message online about the new card, and I have not received it. I've been waiting to make a few purchases I need. I called again the same number and, surprisingly, I was told the old card has not yet been closed because call was disconnected. There are a few absurds here : - In the original call I had already verified all the transactions and was already told I'd receive a new card in a few days, they tried to transfer me to some mobile wallet department to resetup the Citi Pay wallet but I was left waiting and ended the call. 

- Most important, nobody at Citi, during the previous week, tried to contact me about this. Citi has an account flagged as fraud, apparently not yet closed ( even though I called ), no new card issued, and then Citi customer service does absolutely nothing about it. I'm wondering what would happen if I had left like that indefinitely.

When I had verified the transactions and was told new cards would arrive in a few days, I considered the matter resolved, but Citi did not actually process what they informed.

This is inferior and even improper service, and this account will be less used from now on.

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
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Under the FDCPA 1692G which gives consumers a 30 day window to dispute a debt in writing AND 1692E which prohibits using false or deceptive means to collect the debt. 

The notice I received removed my right to dispute the validity of the debt through debt validation and debt verification two separate practices. The deceptive practices taken place would be from the collection company knowing the debt is not mine because of the school was notified the information submitted was fraud. Also the alleged debt gives me no option to contact the debtor to dispute only to pay the debt. The claim I am asserting is that the collection letter misguided me as the consumer. In addition to including the the missing absent statutorily required validity language, the collection letter also invited me the recipient to please call to discuss payment arrangements circuit court decisions including XXXX v. XXXX XXXX XXXX XXXX. from XXXX, XXXX XXXX XXXX XXXX XXXX form XXXX, these cases supports the current actions are improper and is in clear violation of the FDCPA 1692G and 1692E I would like the entire debt removed from ALL agencies which credit information or reports are supplies which includes data brokers. 

Proof of Complaint Case Number : XXXX I sent information to XXXX  XXXX university and the department of education Financial Aid department informing them the information was fraud and that I should have never been enrolled in their school and I should not have had a financial aid balance with the school. The fund we're rescinded and I was never given another call or bill.

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 2019-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THIS COMPLAINT IS DIRECTED TO XXXX XXXX XXXX XXXX IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE COUNTY RECORDERS OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. CHASE BANK FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, CHASE BANK TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE CHASE BANK IS IN NON COMPLIANCE, THIS ALSO APPLIES TO XXXX XXXX XXXX XXXX. I RECIEVED A EMAIL FROM XXXX XXXX XXXX XXXX ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .CHASE BANK HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.CHASE BANK CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS CHASE BANK IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST XXXX XXXX XXXX XXXX ASK CHASE BANK INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK CHASE INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: NY

Complaint narrative:
I open a account with XXXX  XXXX and place a order for some items I never received. i asked them to put a tracer on the items and tell me who sign for it they told me they have a signature i asked them to provide it to me they told me they could not that I have to sign a form which i did i never received the signature they kept asking me for payment I told them I'm not paying for anything I have not received so what they did was charged off my account and sold it to XXXX XXXX  now I have a charge off from XXXX  XXXX and a collections from XXXX I called XXXX and they told me they will do a complete investigation after a month went by they wrote me back and said our investigations show you never sign for does items and they remove the collections off my credit report and I owed them nothing they advise me to to take this letter and send to XXXX so they can remove the charge off from my file for which I did XXXX  XXXX  told me 6 times they would remove it this started in XX/XX/2016 as of today the charge off is still on my file I recently called and they say they got a signature I told them to provided it they say they can't find it I just want this removed

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 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I lost my job on XX/XX/XXXX and got a new job on XX/XX/XXXX, I had to file Chapter XXXX on XXXX/XXXX because the impact from the unemployment was too much, The bankruptcy included one month of mortgage, I am two months behind and keep trying to catch up. I filed a modification today just to catch, my attorney said to wait until the bankruptcy is confirmed well in the mean time Ocwen sent me to an attorney for post petition fees ( attached ). In XXXX I lost my job and was unemployed for several months and filed for forbearance with Ocwen, it was a disgrace and a XXXX show, it took 8 months to get approved, I involved the FHA and I filed with CFPB. I did not have the energy to deal with Ocwen this time but I will not allow them to take my home, I am in the process of Bankruptcy XXXX and just sent them a modification. I would have filed sooner but the Chapter XXXX is dragging out because of objections related to Ocwen and XXXX taxes, everything is in place now but now I received this letter relating to my mortgage, I pay every month on my mortgage and I AM NOT 3 MONTHS BEHIND so I do not know what Ocwen is doing. I am filing this complaint because they are the most vial company around. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I submitted a request to have a stop ALL placed on a payment from XXXX XXXX XXXX in the amount of {$150.00}. This payment was presented to my account on XX/XX/XXXX and was not credited back to the account until almost the end of the day on XX/XX/XXXX. Because of this unexpected delay, I incurred an overdraft fee due to a previous bill I had set up being sent through on XX/XX/XXXX. The overdraft was submitted to my account on XX/XX/XXXX. I submitted a request through the online messaging system to request to have the overdraft refunded due to the delay in TD bank returning this payment to me that was from the original stop all. The first person who responded was completely incompetent and took more than the 24hour notice I was told it would take to respond. They did not even acknowledge the right stop payment and referred to a payment from XXXX in the amount of {$300.00} from XX/XX/XXXX. Not even the right year. They said no stop payment was placed and immediately denied the refund for the overdraft. I immediately responded back correcting them of this and requesting to have this fee overturned. Again, I was told that this was not TD banks fault despite the delay. I then responded again and next representative tells me that the matter had been resolved over the phone. This is completely untrue. I spoke with a TD bank Representative by phone for a totally separate matter. Yes it was related to XXXX XXXX  but it did not involve this overdraft fee. I responded back once again and was told that my account was not eligible for an overdraft fee refund. This is despite this being TD 's fault for significantly delaying when this payment would be credited back to me. Furthermore, I do not understand why if I am putting in a stop payment for something, why I am punished when that initial debit comes from the account. This makes no sense to me. I wish to be refunded the {$35.00} for this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24 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: GA

Complaint narrative:
The XXXX XXXX account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for Equifax. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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:
I was a victim of identity theft, and someone took out an auto loan in my name. The fraudulent loan is from XXXX XXXX XXXX. After calling the credit bureaus they asked me to submit some documents to help me recover my credit since the loan had gone delinquent it was really hurting my credit. I sent in the proper documents that the 3 credit bureaus requested me to send them. They requested a identity theft report, and police report, which I provided as well as multiple documents verifying who I am specifically, my drivers license and a loan payment as verification. I have sent in this information to recover my credit and in no less than a couple of months BOTH XXXX, and XXXX  promptly did a thorough investigation, and removed the fraudulent account. Unfortunately, Equifax has NOT done a thorough investigation even once of this fraudulent account, I know this because I've spoken to the original lender chase, and they said they HAVE NOT received any such documents from Equifax which proves that when Equifax says they have " verified '' this account there's no WAY they can verify it if they haven't actually sent my documents to the lender. If they did, then they would have removed it just like XXXX  and XXXX have. I've submitted this information over 7 times already, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 Equifax has done nothing new, all they say is that the creditor has verified the account, when I know a proper investigation has NOT been carried out, my rights are being violated, please help me. Equifax has all the records and paperwork that I've sent it, so no need for me to attach all the documents here. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2019-01-24 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: GA

Complaint narrative:
There are incorrect personal information that is reporting on my credit file. I have tried to dispute this incorrect information with the credit agencies. Please assist me in getting this incorrect information removed from my credit profile. 

Incorrect Names : XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 non-monetary relief