vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX OXXXX XXXX   XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XX/XX/XXXXThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-01-06 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX   XXXX Reported : XX/XX/XXXX XXXX XXXX VISA Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from  appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
The Owner/Servicer of my mortgage filed for a foreclosure AFTER the Statute of Limitations date. This entity does not have the right to foreclose after XX/XX/XXXX. It is also unclear which entity is attempting to conduct the foreclosure, the Owner or the Servicer. If the Servicer is the entity who called for this foreclosure, they must prove that they possess the Power of Attorney, as the mortgage owner 's Attorney in Fact. The Foreclosure Attorney has refused to reveal who called for this foreclosure. This lack of clarity indicates that there is uncertainty as to who is the owner of my mortgage and if they are able to produce the original note. If this foreclosure does take place, the conducting party MUST produce this original note on the date of the sale, as well as proof of Power of Attorney. On XX/XX/XXXX, Nationstar declared themselves the owner of my mortgage through an Assignment of Mortgage. At that time Nationstar also declared themselves as XXXX XXXX 's Attorney in Fact. However, they provided no proof that they possess a Power of Attorney for XXXX XXXX. 
On XX/XX/XXXX, Nationstar assigned my mortgage back to XXXX XXXX. In doing so, a fraudulent address of the Assignee/Owner of my mortgage is recorded for XXXX XXXX. The address is recorded with the XXXX County Clerk as XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This is NOT the address of XXXX XXXX or Nationstar/Mr. Cooper. XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is the address belonging to XXXX XXXX XXXX, as confirmed by Mr. XXXX, who is the Facilities Coordinator of XXXX XXXX XXXX. I am attaching a letter from Mr. XXXX, in which he states that XXXX XXXX XXXX is the sole tenant of the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am also attaching a letter from Mr. XXXX in which he states that XXXX XXXX XXXX   moved into the building at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, in XX/XX/XXXX. Prior to XXXX, the previous tenent of the building was XXXX. In order for XXXX XXXX/Nationstar DBA Mr. Cooper to legally foreclose, the Assignment of Mortgage which is recorded at the XXXX County Clerk, and shows XXXX XXXX as the owner of my mortgage, must list the legal and correct address for XXXX XXXX, and not that of an address belonging to another tenant of the building.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : MEDICAL DATA SYSTEMS Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During last quarter of 2004 three false action of title took money from the mortgage and it appears that is the reason I am still paying ... all attempt to correct this from the servicers have been ignoredand request for advisaril action to nmy BK Atty have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MA

Complaint narrative:
I have contacted the creditors many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditors many many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc.
State: FL

Complaint narrative:
N26 via XXXX XXXX  in their Account Agreement and Disclosures Effective XX/XX/XXXX on Page 11 of 18 states that Over the Counter Withdrawals are permitted with a max of {$5000.00} per day. However when I tried to do this, the transaction is declined and support is unable to help. I reported this issue back in XX/XX/XXXX but they still have no resolved it. I have contacted them via email multiple time about updates on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I need experian to remove the following address 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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems placed a collection on my credit reports for a medical bill that I don't recognize. I was never notified by phone or mail about a collection. I disputed the collection, and they put it back on my report. I looked them up and their XXXX rating has been revoked for hundreds of situations similar to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.

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 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
The collection company keeps repeatedly paying a low amount ( $ 1- {$2.00} ) on the debt, but are saying that I paid it. I have not paid anything on it since XXXX of XXXX. The account has been tampered with on several occasions over the last XXXX years. The last time they say I made a payment was XXXX of XXXX, but I didn't. Also, I would like some kind of proof from them showing where I paid them these ridiculous amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Opened a car loan XX/XX/XXXX, last payment was XX/XX/XXXX which is incorrect last payment was XX/XX/XXXX, also the company claims they have a default judgement against me. My complaint is that the reporting info is incorrect of last payment, also the company closed my account XXXX XXXX 6 years later and updated it after i disputed in accuracy 2x now my score has dropped again 52 points after it dropped 100 6 years ago. The reporting is incorrect and reporting late in the past 60 days which can not be possible at all. My calculation now is based off a 60 day late with in the last 60 days. I have loss my home loan due to this and now Im paying for something 2x and its set to fall off XX/XX/XXXX this year but Im being calculated as if this is a 1 year charge off. This isnt fair or possible. My last 4 of social is XXXX. My date of birth is XX/XX/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 2020-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I reached out to Honda and they agreed to help me out with some good Will by removing all derogatory marks on my credit that was fufilled at the time of working together, up to this day Honda has not kept their word that was sent to me via mail. Which was to remove the lates and so on. They have removed from one bureau but not the others. This 120 days late that still shows on two other brutes is occurred at the time and end of the lease where the car was returned but still reporting under my name after I was told my balance was at XXXX $!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
Made a phone call in XXXX to pay the remaining balance. This is when I found out the incredible amount of interest that I was being charged. Loan deposited in my account XX/XX/XXXX in the amount of {$1200.00}. There is a weekly payment withdrawn from my account in the amount of {$150.00} reoccurring till XX/XX/XXXX. The transaction is listed in my account under the name Hummingbird.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My USAA credit card has several built in benefits it advertises including satisfaction guarantee ( Return protection ). I filed two claims in XXXX ( claim XXXX and XXXX ). The first was rejected as the benefits center stated I had exceeded the annual number of claims allowed ( 4 ). This was an untrue statement as I had only submitted two other satisfaction guarantee claims within the preceding 12 months. I called the benefits center to clarify and was told it would be reviewed and corrected. It never was. Most recently when I inquired again, I was told it was denied as being outside the term limit. That was not the case either. The second claim was reviewed and I was requested to send in " salvage ''. I was waiting for the first claim to be reviewed so that I could send both items ( shoes ) together to save on shipping. Then the second claim status updated to say I had exceeded the annual cap. Again, this is untrue.I have two other claims for satisfaction guarantee on this card in the preceding 12 months : claims XXXX and XXXX. I have had no success with the benefits center after repeated attempts to get this point across.

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