vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
My XX/XX/XXXX taxes which are escrowed were not paid according to my legal signed wishes. I was told i didn't send in my Wisconsin Escrow Option, which in essence was signed during my closing on XX/XX/XXXX. After I contacted them after realizing I had not received a receipt like I normally do that is what I was told. I was then told to send in my copy of the document, which they should have had on file, it was part of my closing documents, everything else got updated accordingly, my mortgage statements come and get paid. I did that and send it to the research department. I did that and I received a letter dated XX/XX/19 stating that they did not receive a copy in time and they defaulted me to option 3, which states : The Lender will pay the property taxes when due from my escrow account. I selected option 2 : The Lender will pay the property taxes from my escrow account by by XX/XX/XXXX ... with other parameters to do so. My document is legal and binding just as every other document that I signed to refinance my loan, I feel just we are sorry you are not happy with your experience is not enough. I feel they are very callous and really unconcerned, still didn't opt to my chosen option even after providing them with the document they should have had on file. I had to call in to find out no, they didn't do anything to get the payment in and also had chose still the default option. The customer service rep updated to my option 2, upon me calling me. This is unacceptable and I want it reported, I have to suffer for my XX/XX/XXXX non payment of property taxes for filing my XX/XX/XXXX taxes now ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft and i desired to have my information updated in order to prevent theft by mail, or digital fraud against me by old information obtained unlawfully. 

The addresses below needs to be removed and purged from the systems of experian address 1 XXXX XXXX XXXX XXXX, Ohio XXXX reported XX/XX/19 Entry unknown never had a contract for service, I never lived here or received mail here. 

address 2 XXXX XXXX XXXX XXXX, Ohio XXXX I have never lived here within the past 14 years and it is still reporting. The pre-approved offers were denied due to digital forgery of others who tried to pretend that they was me but did not have the code to unfreeze the credit reports. Police was notified noted and still is under investigations for the individuals by detectives.

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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have specifically submitted a request to STOP pre-approvals and other credit card offers. Citibank continues to send me " Convert from X card to Y '' offers. These PAPER BASED communications place an unnecessary burden on the recipient to SECURELY dispose of them. Given that most stores/companies charge for secure shredding, these banks should be compensating recipients for the excess paper spam they send on a daily basis.

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 2020-01-25 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: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
THIS COMPANY XXXX XXXX XXXX. IS A FRAUD AND XXXX   KNOWS IT. I HAVE REASONS TO BELIEVE ALL OTHER BUREAU HAS REMOVED THIS FRAUDULENT REPORT FROM MY CREDIT REPORT. WHY HASN'T XXXX. XXXX CREDIT REPORTING HAS NOT PROTECT MY CREDIT FILE BY ALLOWING INFORMATION TO BE HACKED WITH NO COMPENSATION OFFERED. I HAVE ASKED THIS COMPANY TO PROVIDE ME WITH A DETAIL LIST OF ITEMS I PURCHASED ALONG WITH MY SIGNATURE THAT REFLECTS I HAVE DID BUSINESS WITH THEM IN THE PAST. THE AMOUNT STATED I OWE IS {$320.00} FROM WHAT YEAR AND WHAT ORGANIZATION? XXXX XXXX XXXX, {$450.00} XXXX XXXX {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management They keep calling my cellphone number from different autodialer numbers. Today they called at XXXX XXXX  PST and left a voicemessage. 

They also are now listing this as a late payment on my credit report but are not the original creditor. This is from 2015 and statue of limitations has run its course. It is time barred, but they are listing the last payment as the last 30-60 days to make it seem like it is current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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:
Derogatory marks View all accounts COLLECTIONS XXXX  Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: FL

Complaint narrative:
I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my file.

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 2020-01-25 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: GA

Complaint narrative:
XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my file.

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 2020-01-25 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: FL

Complaint narrative:
I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

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 2020-01-25 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: FL

Complaint narrative:
I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF 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 non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
LoanCare failed to pay our XXXX Property Taxes, which caused late payment penalties. 
There were many attempts to have LoanCare pay our property taxes including the late payment penalties fees ( as we had an Escrow Account ) between XXXX and XX/XX/XXXX, including notices of Servicing Errors and a complaint to the CFPB submitted on XX/XX/XXXX ( XXXX-XXXX ). 
On XX/XX/XXXX, since no payment has been made, we ended up paying the XXXX property taxes, including late payment penalties fees ( which built up to the amount of {$720.00} ) from personnal bank account. 
It turned out that following succesful outcome of our complaints to CFPB and our other attempts, LoanCare finally agreed to and proceeded to paid for our XXXX Property Taxes + late payment penalties - twice - on XX/XX/XXXX and XX/XX/XXXX. 
We submitted a property tax + late penalties refund to the XXXX County Tax Office, but our request was denied since XXXX County already refunded to LoanCare their two payments ( Property Tax = {$4400.00} and Late Payment Penalty = {$720.00} ) - see attached letter from XXXX County Tax Office. 
In XX/XX/XXXX, we sent another Notice of Servicing Error to LoanCare to get reimbursement of the late Payment Penalty that LoanCare formally agreed to pay in their response to our complaint to the CFPB - see attached - explaining clearly that LoanCare took care of the late payment penalties, BUT got them refunded afterwards. 
LoanCare answer to our Notice of Servicing Error dated XX/XX/XXXX is attached. 
It is not providing satisactory explanation or response as it states that there is no more late penalties outstanding on our Account, because LoanCare took care of them. This is not correct as LoanCare got refunded for these two payments ( as stated in the letter from XXXX County Tax Office ). 
Therefore, technically, we paid the late payment penalties that are LoanCare 's responsiblity. 
We are requesting immediate reimbursement of these late payment penalties ( by check - since we have paid off this mortgage in the meantime! ). 
Thank you!

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 2020-01-25 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF 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 2020-01-25 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED HAS NO RELATION TO MY NAME OR SOCIAL SECURITY NUMBER. PLEASE INVESTIGATE THOSE ACCOUNTS FOR THEY HAVE BEEN SEVERELY DAMAGING MY CREDIT. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THEM PERMANENTLY DELETED OFF MY REPORT. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS ARE NOT MINE AND I HAD NO KNOWLEDGE OF THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/2019 disputed XXXX XXXX account, however i never received any proof verifying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-25 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-25 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: PNC Bank N.A.
State: MO

Complaint narrative:
Im writing this very seriously. I havent authorized PNC bank to obtain my credit report for vehicle loan. I havent filled out any application to PNC bank. I have clearly mentioned lender I do not want PNC. I request you to update and remove hard inquiry which is damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
There is ZERO way to make a mortgage payment due to a complete disaster of their website and not accepting phone payments as well.. You go to XXXX to login ... when trying to log in..it asked for a random..not what you selected security question..trying to register your device every single time. THEN if you are lucky enough to log in..you click another button to go to another website called XXXX XXXX. Then if you are lucky..you may or may not be given the option to make a payment. This is a complete disaster. I email them..their excuse..they are having website difficulties..but only the last few days they say. This has gone on from day one.XXXX/XX/XX/2019. they also CHARGE YOU TO MAKE A PAYMENT TO THEM. Who does that? 

Anyway they will not allow me to make my XXXX mortgage payment. I called number and it said they are not accepting payments on my account. I have tried and tried. i cant speak to a person..it 's all automated. MANY others with exact same problems. They also refuse to mail out any paper statements. Many others asking as well as I ... they won't send out. All of this is illegal I know. So why are they allowed to continue? PLEASE do something about this company. I have owned my home for 15 yrs and this is the very first company that's ever been like this and they are VERY bad. Why are these companies changing over every 3-5 yrs too? This is a disaster. I have read many horrifying reports, articles and complaints on this company and yet they are still in business. I just want to make a payment in which they are not allowing me to do for no reason at all. I am being sabotaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX Television & Radio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
I have no knowledge of a mortgage owed to bsi financial services. I have never sign and contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation