vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: OH

Complaint narrative:
I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX   XXXX , XXXX 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 2019-11-05 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: OH

Complaint narrative:
I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX0****, XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lamont, Hanley & Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I was served with a citation on a lawsuit from XXXX XXXX XXXX with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that XXXX had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per XXXX. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from XXXX and where I had applied for a credit card with XXXX on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/XXXX, I received an email from American Express notifying me that all my accounts have been closed and my over 500,000 membership reward points lost. I was stunned, as all of my accounts were in good standing and I have been a loyal customer since 2014. I have never made a late payment nor abused the rewards program in any way. My credit report shows no negative remarks. American Express gave no prior notification of this closure, and shutting down my accounts without any notice is in violation of the Credit CARD Act of 2009, as it requires a 45-day notice to any significant change to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late 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 2019-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up  and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXX/mth The second company was XXXX and was late only 3 payments. I was late XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 6 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments  taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. I was late 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 2019-11-05 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:
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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Used XXXX XXXX XXXX XXXX  online bill payment service to issue payments to my credit card company. Unfortunately, I selected an old payee from the dropdown list and made two payments to the former card issuing bank, XXXX XXXX XXXX 

Payment Date : XX/XX/19 Payment Amount : {$220.00} Payment Date : XX/XX/19 Payment Amount : {$94.00} The XXXX card portfolio was subsequently sold to Barclays and is where I intended the payment to go. 

I've been in contact with XXXX XXXX XXXX ( multiple times before XX/XX/19, XXXX XXXX ' online banking provider - XXXX ( XX/XX/19 XXXX XXXX ), XXXX XXXX XXXX XXXX XX/XX/19 @ XXXX Hawaii Time, XXXX XXXX ), and Barclays ( XX/XX/19 XXXX Case # XXXX ; XX/XX/19 XXXX XXXX and his manager, XXXX XXXX XX/XX/19 CSR? And her manager XXXX ; XX/XX/19 CSR XXXX ). 

XXXX XXXX XXXX sent payment tracer information to Barclays on XX/XX/19 and XX/XX/19. 

Barclays sent a letter dated XX/XX/19 to say that on XX/XX/19 they issued provisional credit in the amount of {$220.00}. That is incorrect. The credit was posted on XX/XX/19, as shown on my XX/XX/19 statement. I have not received word about the status of that case. 

I received a credit balance refund check on XX/XX/19, that included the provisional credit. 

I received a vague letter from Barclays dated XX/XX/19 saying they received my recent paymnent inquiry and are unable to complete my request at this time. I assumed it was regarding the {$94.00} payment, so I called. The CSR told me they can't find that payment so they can't help me. She said they found the {$220.00} payment and that's why they issued me a check. After I used the term " provisional credit '' and questioned whether they were in violation of Reg E, she recanted and also committed to escalating my compalint to a manager who would call me back within 24 to 48 hours.

I am unable to attach documents at this time but can do so in the future if you provide an email address or a portal where I can upload them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
bank of America credit card Account number ending in : XXXX They posted a hotel charge of {$3900.00} in XX/XX/XXXX while the Transaction Date was in XX/XX/XXXX. which mean after 211 days. 
I talked with BOA respected department 4 times and I disputed the amount of {$3900.00} charge twice, XX/XX/XXXX Case number : XXXX and XX/XX/XXXX Case number : XXXX They kept wasting time until dispute time close, without solving the problem. 
Every time, They ask Proof that this transaction was paid by another means. I respectably informed them I never keep receipt for 8 months. BOA respected disputed department, declined the dispute saying We're unable to determine that a billing error occurred based on the information or documentation available to us '' I informed them, that under the law, they have no right to charge me after 8 months, while i did pay the hotel. 

The law says : Under Visa Chargeback Reason Code 74 : Sales Receipt Older than 181 Days. If the sales receipt was deposited more than 181 days after the transaction date, even if the card account is not closed, there is no remedy and you should accept the chargeback.

please solve my problem with them.

Attached the Correspondences between me and BOA respected credit card dispute department

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 2019-11-05 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: OH

Complaint narrative:
Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.

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 2019-11-05 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: OH

Complaint narrative:
Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt. 

I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. 

Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. 

My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with 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 2019-11-05 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: CT

Complaint narrative:
In reference to my Equifax Credit Report # XXXX which is in response to my dispute to four accounts of XXXX  XXXX, XXXX AUTO and XXXX that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Equifax is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CT

Complaint narrative:
In reference to my Trans Union Credit Report # XXXX which is in response to my dispute to four accounts of XXXX   XXXX, XXXX XXXX, XXXX/ XXXX , and XXXX   that reflect INCORRECT payment history ( I had automatic payments ). As such, my financial integrity has been tarnished and I have been DENIED CREDIT due to these NEGLIGENT ERRORS!! Trans Union is just going thru the motions to " verify ''. If they did a proper verification, then these errors would be fixed since errors were fixed on 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 2019-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: OH

Complaint narrative:
On or about I filed Bankruptcy in XX/XX/2019. On XX/XX/2019, my Bankruptcy was discharged. The facts and proof Im attaching clearly shows Prime Lending is retaliating against me because I did not Reaffirm my mortgage loan. However, I have continued to make all scheduled monthly obligations as I have plans to refinance my mortgage with another Lender as soon as practical. After my bankruptcy was discharged, Prime Lending has been sending me ( via US Mail ) threats of filing Foreclosure stating Ive defaulted even when I have forwarded Prime Lending banking statements ( see attached ) that validates I have met monthly obligations ( via XXXX XXXX   Payments ). I have spoke with Prime Lending customer service department more than ten ( 10 ) times requesting that Prime Lending rectify this issues as well as cease having private carriers delivery threats of Foreclosure. In addition, during the bankruptcy process Prime Lending unknown to myself has increased my monthly payments from {$680.00} to {$810.00} without ever notifying me. When I asked Prime Lending for an explanation for the reason my mortgage had been increased, I was told because my property taxes and homeowners insurance had been increased. I decided to reach out the XXXX county auditors office to verify that my property tax rate and discovered my property taxes were actually decreased ( see attached ). On more than five occasions, I asked Prime lending why the discrepancy over payments that I have proved had been paid to them, Im always told that it takes a while for there system to get updated. However, after five ( 5 ) months has passed, Im still receiving loan delinquent notices/ letters and there plan to proceed with Foreclosure. 

I have kept current with ALL scheduled payments ( see banking records ), even when I should have skipped payments when I was in the bankruptcy process and Prime Lending has accepted ALL payments yet continue to cause me mental stress by potential threats of Foreclosure. 

Every week Prime Lending is sending me erroneous billing statements with different amounts claiming I owe them. This is my opinion is beyond Predatory Lending/ Harassment/ Coercion/Deceit. 


Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from 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 explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.

Company response to consumer: Closed with explanation