vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
While residing in XXXX Il at XXXX XXXX XXXX a Credit card was opened in my name by XXXX XXXX. 
Ms. XXXX was dating my uncle which lived in the apartment below. She had access to my apartment because my uncle watched my kids at night while I worked. She would enter the upstairs apartment and use my personal computer. Which was not an issue as I thought she could be trusted. However, the moment I moved from XXXX in 2014. I started receiving mail in a different state, Informing me that I was late on payments for a XXXX XXXX credit card. I NEVER OPENED THAT ACCOUNT. Payments apparently fell behind when she no longer had access to my personal information. I moved from XXXX XX/XX/2014 and was alerted to the information by the summer of 2014. I HAVE MAINTAINED ONE CREDIT CARD AND ITS BEEN A XXXX XXXX CARD. I have ALSO made several attempts asking that she make this right/ after she admitted that she had opened the account. She begged and pleaded that I not go to the authorities. After she made no attempts to make payments. I contacted the authorities and was told I need her confession. She has also been arrested for fraudulently opening an credit in My uncle name as well. I REPEAT I DID NOT OPEN THAT ACCOUNT. 
PLEASE SEE THE VIDEO ATTACHMENT BELOW OF HER BEING ARRESTED AND ESCORTED OUT OF OUR APARTMENT BUILDING. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: FL

Complaint narrative:
XXXX XXXX has me owing XXXX on an account that was opened by someone while i was in federal prison. Being in prison how can i have possibly opened an account if i had to funds and no way of paying knowing i would be in prison for more than 5 years, I sent paperwork proving i was in prison and they returned saying the information they have is accurate??? this can not be. I am trying to be a good citizen and start a new life and take control of my financials and they do not help me!

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 2020-02-10 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:
Accounts and Inquires listed are not done by myself. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank has failed to comply with The Equal Credit Opportunity Act ( 15 U.S.C.1691 ) by denying to increase credit limit due to social security income ( SSDI ) ( SNAP ) ( SSI ) and previous complaints file with the consumer protection bureau. 

Capital One Bank has allowed a fraudulent transaction made by XXXX to proceed after multiple transactions was declined due to the credit limit and because he exercise his rights under the Equal Credit Opportunity Act 15 USC SECTION 1691, Fair Credit Reporting Act and the Fair Credit Billing Act. ( Consumer protection law ) The cfpb amended regulations B to reflect the Dodd Frank Act. Each complaint that was filed with the cfpb was in good faith never the last Capital One Bank has allowed a fraudulent transaction to process over the credit limit after declining multiple transactions with a 30 days period from XXXX. 15 USC Section 1691 ( a ) ( 3 ) The consumer didn't authorize XXXX  to proceed with the transaction after Capital One Bank declined the transaction on multiple occasions in the month of XX/XX/XXXX. Please see the attached email from Capital One regarding the credit limit. 

The consumer has filed a lawsuit against XXXX and will be doing the same thing with the credit Capital One Bank. 

Capital One Bank has declined to increase the credit card limit due to the income verification from social security. ( 12 CFR section 1002.6 ( b ) ( 2 ) and 12 CFR Section 1002.7

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
An old XXXX XXXX account was sold to a collection agency. i settled the debt with the collection agency on behalf of XXXX XXXX. They refuse to update the account to reflect as paid and closed. They are still reporting that I owe money on the account when I do not. i paid them on XX/XX/2020 and I would like my information to be updated with 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 2020-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Manley Deas & Kochalski LLC
State: IL

Complaint narrative:
This company has literally send me a correspondence letter as of XX/XX/2020 threatening me. As I do believe is a threatening. 

I have communicated with loss mitigation department not so long ago las week and I spoken to a guy and told him about my situation and concerns, I also told him That it was my priority to keep my home and that I was very sorry that at this time I was going through a tough situation as I am a Victim of fraud and the process ins delaying a little longer than expected but will soon be all finished and resolved in the name Of God because this is very stressful and all I care about is my home and to keep making payments to my home and avoid any demand letters or legal problems and it is my priority to keep my home and get Caught and current as soon as this mess finishes as soon as this fraudulent activity finishes and Its investigations is all clear and done. And for the bank to credit me The remaining amount to my account ASAP. 

Stop The threatening as is no good for my health as Im already a senior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: 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 2020-02-10 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:
Accounts and Inquires listed are not done by myself. Please delete 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 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I applied for Chase freedom unlimited credit card in XX/XX/XXXX through a referral link I received from Chase card holder. After opening the link an offer popped up saying apply now and receive {$200.00} bonus if spend {$500.00} in first three months. I did not receive a bonus and so I contacted Chase in XX/XX/XXXX. I repeatedly received a reply stating you have other offer activated on your account ( 3 % cash back ). There was no disclosure on the offer page saying offer may change. Chase did not inform me before, during or after application about changing the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my transunion I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for XXXX  I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.

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 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I sent two disputes letters for all the letters below, I told them it was impossible for me to pull these loans due to I was on a full ride scholarship. I did not sign any loan paper I asked for proof of original signature on loans three times I did not receive the signature just a verified letter which makes no sense. This is now affecting my credit score and needs to be removed now. 
Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance Loan Amount {$3600.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Loan Amount : {$1800.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NY

Complaint narrative:
Hello I was on my XXXX  XXXX  today XX/XX/XXXX noticed there was some fraud and unauthorized things on my credit report I need fixed. First off on my XXXX  I never applied for a XXXX  XXXX card on on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX i did not give any authorization for any of these companies to look at my credit so this was done without my consent. 

Now as for equifax I have more fraud and unauthorized things I want off my credit file. XX/XX/XXXX I am getting hit with 2 hard pulls i never authorized. Also on XX/XX/XXXX I am being hit with 2 hard pulls I never applied or have any knowledge of. 

I just want all credit reporters to be aware and fix this problem thank you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter finance had first date of delinquency as XXXX-XXXX  then so they could keep this account on my credit report longer they changed it from XX/XX/XXXX to now XX/XX/XXXX. This violates my rights under the fair credit report act as I was late since XXXX-XXXX  and Never brought the account current. I did defer some payments after the fact of being charged late fees as my account was still considered late. This company has already ripped me off of charging me 32000 or more and still trying to collect almost {$15000.00}. They are a scam and I want this removed from my report as they cause me damages and have them fined

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
I dont not apply for this loan. Somebody else must have used my information. I never received anything or had any knowledge of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 non-monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Texas Guaranteed
State: OH

Complaint narrative:
I received a letter from the Trellis Company on XX/XX/2020 claiming that I owe {$11000.00}. They went on further to say that I defaulted on this obligation. I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe {$11000.00}, and they would proceed with contacting the U.S. Department of Education to resolve the issue. It appeared that they were coercing me to make a decision. There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds. I financed my education for my degree with grants, scholarships, veterans financial aid, work study, and regular employment with two jobs. 

I need Trellis to be forthcoming with specific details. I am currently paying for defaulted student loans with an offset of my social security and income taxes with the United States Treasury. My current financial situation is dire and difficult I have fully cooperated with my lenders. I am currently on an IBR because I am at the poverty level, and I have a serious medical condition with high medical bills and prescription medicine that I take. My medicine is life critical medicine, if I do not have any or can't purchase it, I will die from not having the proper medications. I am XXXX years old and an XXXX XXXX XXXX Veteran.

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