vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XX/XX/XXXX my loan was transferred from Ocwen to PHH Mortgage for servicing. PHH Mortgage is essentially just a new company that Ocwen created. I was given very short notice ( less than XXXX days ) about the change. Not a problem because I pay my mortgage on time. I attempted to locate my historical account statements on the new website provided by Ocwen/PHH and there is no historical account history. There is no form XXXX from XXXX. I have contacted PHH multiple times and they are refusing to post my account history to the website or provide online access to this information. They are also refusing to email this information. I can not verify if my mortgage and escrow balances were transferred correctly but more importantly I can not see/confirm my mortgage history XXXX including charges and payments ). 

We all understand mortgage servicing can change but the customer should not have to suffer by losing access to their account history, account statements, tax forms ( XXXX ), etc. PHH and Ocwen provided insufficient notice and they did not explain that customers would be unable to access historical account data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-19 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result 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 2019-09-19 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: NJ

Complaint narrative:
I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.

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 2019-09-19 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: NJ

Complaint narrative:
I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I have a closed account on my credit report that I have fully paid off. I tried to contact the company in which controlled the account to get it off my credit report because it is paid in full. They said it was against policy to take if off of the credit report, so here I am now trying to contact you guys if you can help get a closed paid off account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: FL

Complaint narrative:
i was a minor living with my mother not workin and attending school i turned XXXX and was told by apartment complex that i had to be added to the lease now my mother broke her lease and was charged XXXX dollars in her name i'm now XXXX and haven't been living with her since i turned XXXX i went to an apartment to sign my very first lease and was denied cause the debt of my mother is now stuck on my name as well for the same exact amount of XXXX dollars i should not be responsible for a debt that belong to my mother if i was the one who who initiated the debt i would of been obliged to pay it but i was a minor in school and i never initiated that debt i shouldn't be hindered by her negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
I received multiple phone calls from a number a did not recognize. When I answered I was asked to verify my address. I refused to do so and asked for the purpose of the call. The agent did not answer. I asked which company and was told, Harris and Harris. I asked what type of company and told " a financial institution ''. I was asked to verify my name on a recorded line and I hung up. After I XXXX Harris and harris and saw that it was a debt collection agency I called back and spoke to Ms. XXXX. She said they had been calling to collect a debt on behalf of XXXX  for XXXX. I had already discussed this with them in the past and had in fact made the payment directly to XXXX  on XX/XX/2019.

After she consulted with her manager she said they could see I made the payment and she did not apologize and just blamed it on XXXX  not reporting the payment to them - even though she could clearly see the payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: GA

Complaint narrative:
There have been a number of requests sent to Equifax for the medical collection item to be removed from my credit profile. I have a letter where the XXXX XXXX XXXX has sent the deletion request to the credit reporting agencies. I also placed a dispute on XX/XX/2019 to have the item removed. The item is still showing as a collection item on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report for all 4 credit bureaus. In review of my reports, I noticed that my current XXXX XXXX account ( XXXX ) was not being accurately reporting or missing from two of the credit bureaus. Equifax reports shows that I have NO MORTGAGE and XXXX   shows an old mortgage and has it reporting as being closed. XXXX  shows the mortgage reporting accurately. XXXX  is showing the correct balances but has a note that the account is " potentially negative ''. I contacted XXXX XXXX to be sure that this information was being reported to the bureaus. On XX/XX/XXXX I received an emailed copy of XXXX XXXX resolution that simply stated that my account was being accurately reported to all four credit bureaus. On XX/XX/XXXX I contacted Equifax to inquire as to why my existing mortgage is not being displayed on the credit report and I was told that it was never reported to them and that it has never been reported. I faxed the letter from XXXX XXXX to Equifax and they will not open a case stating that this information can not be investigated because they do not show me having a mortgage at all. XXXX is saying the same thing. This error is causing me detrimental consequences as far as credit is concerned because I have been paying my mortgage on time ( NO MISSED OR LATE PAYMENTS ) since XXXX of XXXX. I can not get anyone of these bureaus to correct this or even investigate it. I have attached the resolution letter from XXXX XXXX. I have attached the page of Equifax report that shows they do not have a mortgage account for me as of XX/XX/XXXX. I have attached page 22 of my XXXX report that shows the old mortgage information for XXXX XXXX being reported negatively as of XX/XX/XXXX and I have attached the page that shows XXXX   notes that says the current mortgage - which hasn't been late for 4 years yet they are reporting a note that states " potentially negative ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
Received letter in the mail for a loan approval for XXXX = unemployment insurance and another product I did not apply for in XXXX. Called ONE MAIN and talked to XXXX in Fraud and let her know I was a victim of identity theft. Sent in necessary affidavit. 

I received letter in XXXX that my fraud claim was denied with incorrect information listed as to when account was serviced, had the wrong account number ( according the contract I obtained a copy of ), wrong reasons for denial including that a signature on application matched a passport that was never presented according to the branch where account was opened. The branch called for payment and I indicated again I did not apply for loan. 

I resubmitted police report and sent my drivers license via email to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 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: CA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-19 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: CA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD INC # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HUNTER WARFIELD INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HUNTER WARFIELD INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD INC is in  compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HUNTER WARFIELD INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2019-09-19 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: CA

Complaint narrative:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Experian to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The accounts are XXXX XXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. I have never opened any of these. 

XXXX has already ceased all reporting of these fraudulent accounts, I am asking Experian follow federal law and do the same.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
A debt I have no knowledge of it's been on my credit report for a couple years now since XX/XX/2015 amount of {$270.00} I'm trying too dispute it I have no way of paying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a mortgage with XXXX in 2014 to where I got behind on my payments and started the paperwork for a HAMP modification. My wife and I were approved for the HAMP mod. and received the paperwork to sign and fax back and during all this the home was being sold on the courthouse steps to a private investor which is unlawful for a mortgage company to do while a HAMP modification is in application process. We ( my wife and I ) had an emergency meeting with the investor and the judge and came to an agreement that if the investor could get his money back from the sale at the courthouse that he would give our house back to us. Well that went through fine but the house was taken out of our names and before putting it in the investors name, the foreclosure was halted and now, we are and have been paying for a house for 5 years now to SLS financial that isn't even in our names nor anyone else for the sake of the matter and we don't want to stop making payments and ruin our credit. The local court is giving us the run around telling us there is nothing they can really do. What can be done to fix this matter with the mortgage company considering we are no longer at a contract for deed?

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