vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage Services is attempting to collect {$6000.00} in fees and assessed expenses with my mortgage statement. I am currently behind two months of mortgage payment for a total amount of {$5400.00}. They are refusing to accepted what is owed of {$5400.00} in back mortgage. Attached you will find a current mortgage for the month of XX/XX/2020 an it will reflect they are demanding the penalty fees and assessed mortgage in one payment. A mortgage lender is not allowed to demand penalties, fees or assessed fees when asking for back mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
my account is listed under XXXX It has a negative XXXX balance There is no transaction that matches this balance. 

I am disputing this is fraud I tried to call and I get referred to debt collector who also can not provide transaction detail Unless you can provide detail I want this credited and any negative credit reporting removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 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: IA

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

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 2020-03-19 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, I hope all is well in the midst of all of the chaos we are currently experiencing all over the world. 

In an effort to protect myself and loved ones, I wanted to make sure my finances were in order, to make sure my family and I are prepared for the worst. I have not checked my credit score since XXXX, but upon reviewing my report I have noticed several accounts that have been opened in my name that do not belong to me. One of the accounts was removed, and the other account I disputed online through XXXX  XXXX. The account that I am disputing is American Express. This account was said to be opened on XX/XX/XXXX. The balance is supposedly {$1500.00}, with an amount past due of {$530.00}! I have never opened a credit card account with this company, and I have never inquired about getting debt with this company. I do not believe in the use of debt to obtain financial freedom. It also seems that payments were made under my personal checking account, although i don't see how that could even be possible. I learned throughout this process that my information was breached and used over the dark web. Please assist me with this issue. American Express has verified an account that I am not responsible for, and will never be responsible for. This is not right at all for me to be held liable for a crime I did not commit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
tried to dispute inaccurate information a couple of weeks ago. I have previously disputed it several times over last ten years and can't get it corrected. Tried to use the Equifax website to dispute again and was told had to call. Call menu required them to send me a code by mail. Got the code. 

Tried to dispute with the code, XX/XX/2020 and was told had to call XXXX. Called got through security questions and was put on hold. on hold ... on hold on hold, Didn't feel like staying to midnight just to get hung up on, so filed this complaint when call timer on cell phone went over 60 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: SD

Complaint narrative:
OnXX/XX/XXXX I filed a complaint with CFPB against Continental Finance Company XXXX. The complaint was regarding information on my credit report and not receiving any billing statements. A representative from the company called and we worked out an agreement where they will purchase back the account from the debt collection agency, reopen the account, credit past fees and correct any negative credit reporting information. I also have a letter dated XXXX stating the above information. The company did eliminate the negative reporting however the balance information was incorrect. I decided to wait until the next update hoping the information would correct itself. Unfortunately the next updated was dramatically negative. On XX/XX/XXXX the company once again reported on my XXXX  and XXXX  report, the account as charged off and sold to a collection agency for a bad debt. The collection agency ( which the debt was bought back from ) is also still reporting this information despite disputing the information. A separate complaint will be filed against the collection agency for violation of the FCRA. On XX/XX/XXXX I called and talked to the same representative and he said he would look into it and get back to me. Unfortunately the representative or anyone from the office has failed to return my calls or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
On XX/XX/2020, I contacted credit acceptance to discuss temporary financial hardship due to NM state closing various businesses and allowing only essential personnel to work with 10 employees or less due to the coronavirus. When I spoke with the gentleman, he stated they still expect payment but they will stop all collection calls during this natural disaster. They state they can not defer payments and have no intention to do so even though people are affected due to layoffs and inability to work. There are no contingency plans for this disaster with this company during a national crisis. I was also informed that they will still report your late payment after 30 days but will help by using a special code reporting its due to a natural disaster. Ridiculous.

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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
From XX/XX/2020 to XX/XX/2020 I applied for a mortgage with Pentagon Federal Credit Union. The loan officer was eager to do business and pre-qualified me with no issues. As we proceeded through the loan approval process I was told that the credit union would not move forward unless i committed to the appraisal and paid the fee online. I did that as they requested. The appraisal went fine and everything went off to underwriting with no issues. I called the Loan officer on XX/XX/2020 to check on things since the funding contingency was coming up in a week ; I also wanted to check the rates. After 24 hours the loan officer called and left me a message that loan program she quoted me and the details of which were fully described in the Loan Disclosure was a mistake on her part and now I would have to double my down payment in order to qualify for any program. 
I was notified of this 5 days prior to mortgage commitment due date for the purchase. I called to talk to the loan officer and she would not let me speak to a manager. She said a manger would call me, which did not happen. I asked that the appraisal fee be refunded since it was their mistake and not mine. Also, in order to meet my deadline I had to go to another vendor and pay to expedite the appraisals, which was 3x the cost. This lender misrepresented their product and requirements. They then admitted it was their fault, however it is my loss.

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 2020-03-19 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-03-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, EQUIFAX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EXPERIAN ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD.

THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am trying to submit a credit freeze for my daughter. After going onto Transunion website to learn the protocol for how to do so I mailed in all of the necessary information ( XX/XX/2011 ). After not receiving a response from them I then mailed in the necessary information again back in XXXX. I have still yet to hear back from them regarding this issue. 

Thank you, 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 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.

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 2020-03-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. 
On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. 
On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. 
On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. 
On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. 
on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. 
On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I went to the Hospital and I got medical care and they didn't bill my insurance like they should have.I would like t know why is this on my credit report.If they had billed my insurance provider.They would have gotten their money.I don't think I should have to pay this debt.Since this debt should have been paid through my insurance provider.I am requesting an itemized report and an full investigation into this serious matter before I sue this collection agency and XXXXXXXX XXXX.If this is not resolved with 30-45 days.I will file a lawsuit against the hospital and the Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 sent a document to Experian showing that negative items XXXX on my credit report had to be removed due to I won a court case again the company XXXX for Robocalling. After 30 days Experian didn't remove it the items still remain on my and affecting my credit report.

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 2020-03-19 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: IA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: IA

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

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 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Is attempting to extort a debt that has already been deemed as fraudulent. They purchased the information around the same time as it was resolved with original Company XXXX. I am a victim of idenity theft and am dealing with multiple versions from data breaches to family stealing my information. The debt buyer stated above have Interrorgated me and harrassed me on every statement I made about who stole my identity and, how, and why didnt you report it, yet I did and am doing so again now. 
They did not contact me prior to adding a bad debt to my credit which is another violation of my rights and have not provided any validity to this debt as requested in certified return reciept mail I had sent the date I noticed the debt on my credit reports. 
I want this XXXX  account removed from all 3 credit bureaus immediately, as I am well within my rights to seek damages for my score being drastically lowered due to their negligence and unfair debt collection practices. I will not pay for a debt that is not mine.

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