vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-23 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: GA

Complaint narrative:
I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.

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 2019-12-23 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: GA

Complaint narrative:
I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.

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 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is unnecessarily dragging my Hardship application on Mortgage. I applied for hardship on XX/XX/2019 and today is XX/XX/2019 and still I don't see any kind of development. Mr Cooper on purpose is pausing my application and asking for new updates everyday, they should send me a list in the beginning of the application of Hardship letter where they will ask me in a channelize way how to provide my documentation to them. Everyday they are pin pointing on small things here and there, and i am totally frustrated. On the top of that my single point of contact " XXXX XXXX '' has gone on a holiday till XX/XX/2019. Here I am struggling to pay my Mortgage and Ms. XXXX has gone on a holiday, who will I contact for the next three days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: WA

Complaint narrative:
XXXX  of the University XXXX XXXX and was working on a job site in XXXX. 
I sustained a XXXX  injury and was taken to the local hospital. 
An labor and industry claim was opened and approved for coverage of all expenses related to this injury. 
I have sent my labor and industry claim information to the XXXX department multiple times requesting that they bill the correct person responsible. 
Received a collection letter today from Creditors Bureau. 
I called them to let them know that this is not my responsibility and they would not listen. 
This is called balance billing and is illegal. 
The amount trying to be collected is {$56.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: MD

Complaint narrative:
I reported to both XXXX and equifax of a fraudulent derogatory mark from XXXX on my credit report. I disputed the mark and both reporting agencies ruled it meets their standards. I have tried to speak to someone on the phone about the issue with both agencies to no avail. This is not my XXXX account, I have XXXX  and I'm still in good standing with them. I need to remove this from my credit because Im not paying for a XXXX   account that I've never owned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23 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: FL

Complaint narrative:
Equifax is reporting incorrectly that I am ( 90 ) days past due on the XXXX XXXX partial 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 with a {$0.00} balance. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: ONEMAIN FINANCE CORPORATION
State: ND

Complaint narrative:
On XX/XX/2019, I received a letter from XXXX marked Confirmation # XXXX about a complaint I had filed with them concerning two hard inquiries on my report from XXXX XXXX, which they claim was reported to them as accurate, and that they had investigated to make sure these inquiries were indeed factual. On XX/XX/2019, I received a letter from XXXX XXXX about my questions about their inquiries to my credit report, and they state that the inquiries were not made by XXXX XXXX on the dates of the report. I feel this is a breech of service by XXXX, and this is a negligent act on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My mother and I have a joint checking account with Chase Manhattan Bank My mother made out a check to me in the amount of {$360.00} and lost the check The check was deposited in another financial institution and my bank paid the check. 
I never received this check, the check was not endorsed by me. 

I contacted Chase Manhattan and reported this. 
They had me fill out a form " Declaration of Unauthorized Endorsement or Altered Item '' so that they can recover the funds from the other financial institution. 

Chase has received my form and has begun their investigation. 
They informed me that it would be 60 to 90 days until I received a response, and if they did not receive a response from the other financial institution they would ask them again. 

When I asked if there was a legal requirement as to how long the other financial institution had to provide chase with the information, they did not know. 

I want to know how long I have to wait to have the funds credited back to my checking account, if there is a statutory time limit, and, if I will be informed as to the exact details of the fraudulent deposit of my check, i.e., what signatures/ who endorsed the check, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase few electronics-related items at XXXX XXXX XXXX  XXXX, located in XXXX XXXX, NY. During the check-out I was going to pay the amount of {$310.00} via AmEx Gold XXXX, however after Ive inserted the card in the terminal, it showed DECLINED, so Ive decided to use another card instead that was XXXX  XXXX to pay the due. The transaction was successful so Ive left the store. However, couple days after this incident Ive noticed that both charges with identical numeric portion have been posted on my AmEx Gold and XXXX XXXX  Card on the same date. Ive addressed the issue to XXXX XXXX XXXX Customer Support over the phone and theyve promised to get back to me with a resolution, however as of today I havent been able to get any update from the merchant. For your convenience, Ive submitted proof of second charge on my XXXX  card. 


Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I received information from Hayt, Hayt, & Landau, P.L. attempting to collect the above-listed alleged debt. The initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Hayt, Hayt, & Landau, P.L. are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

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 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I disputed this debt last month with Penn Credit, requesting documentation that I have not yet received! They however, have verified the account with the credit bureaus several times!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
I turned in ( 3 ) employers for the Feb Loan Forgiveness Program. One of the employers will not fill out the information needed, which was checked on the form. After speaking with at least five customer service representatives, with different stories, I am super frustrated that there is a disconnect with active listening, comprehension, and reading. I've had to explain to them where to look, on their form, for the spot checked where the employer will not fill out the form. A rep told me to send in pay stubs showing I worked there. I faxed in over 30 pages and now a Supervisor # XXXX is saying that I meed W2s. The rep # XXXX prior to the supervisor said that the employer did not sign the form, which is correct, because the box was checked where they did not respond. Each employee from the date I faxed my application ( XX/XX/2019 ) needs to be terminated and suspended and retrained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My loan was recently sold to the company LoanCare. Within my original loan agreement, I was entitled to a 15 day grace period before experiencing late fees. This current company, however, has created a " servicing fee '' based on the date of payment. If I pay online before or up to 4 days after the due date, there is no servicing fee. 4-9 days, there is a {$5.00} fee and 10 days or beyond there is a {$10.00} servicing fee. I explained to the customer service representative that this fee structure was not in my original loan agreement. This " servicing fee '' is the equivalent of a late fee, as it is configured based on the date of payment, not a flat rate charge to compensate the company for a service. The 15 day grace period that was in my signed loan agreement is being violated with this fee.

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 2019-12-23 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:
Despite two written requests and a fraud alert placed on my reports with Equifax and XXXX, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at Equifax that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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: CA

Complaint narrative:
I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 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 discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police 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 2019-12-23 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-23 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/2019 we were being 2 or 3 payments in our mortgage. With Mr. Cooper. I tried to make a payment. It was returned to me. I was notified. That I can no longer make payments to my mortgage account. So, I applied for a modification with them and sent everything. They just had it paused. Now in XX/XX/2019 I got a letter that they are starting the foreclosure process. And I have email after email and phone calls saved when Ive tried to contact them to try to make payment in these past few months. I get no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: WI

Complaint narrative:
I applied for a reverse mortgage with AAG in XX/XX/XXXX. I was approved but they said there were a few things I needed to fix. Clean up a few spots, and install carbon dioxide detectors. There were some other things that they said I needed to fix but they were outside and we had an early snow so they were going to set aside some money from the loan, after my contractor gave them a bid, for the work to be done in spring but I had to pay for the work first. Than they would give me the money back. I had to have the appraiser come back to check the few things I had to do. At issue was I have a lot of stuff in the basement and their underwriting department is making a big issue of this and they wanted me to move everything out of my basement so the appraiser could spend 5 minutes looking at the walls. I also had to pay for a structural engineer to come who gave me an all clear of the basement other than the few things to be done in spring.

I have written 2 letters to the president of AAG. I never received a response from him. I have spoken several times with a XXXX at their XXXX office who after dragging this out for yet another week told me today that now the underwriting department has decided that I have to now pay for the grading outside to be done that they already approved to be done next spring, that I have to pay for a mold inspection to be done, even though the appraiser only noted one mold spot and noted that it had been cleaned up. The spot was because my tenants wash machine leaked. And than I have to have the engineer come back. Again payment has to come out of my pocket. {$600.00}. And my application and appraisal will expire in 4 days. Tomorrow is XXXX eve. XXXX said they could do an extension but I have to have all the above done. When I asked why there was a change and basically the underwriting department can do what they want. 
I feel this is in retaliation for my complaints to the president and complaining about there processes. I feel basically harrassed. I am asking for your assistance in this and I think their should be some consequence for their behavior. I also feel they should reimburse me the XXXX I've had to spend trying to comply with their demands. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
Last month I requested information about this alleged debt from Deville, and they refused to provide it, telling me over the phone ( which I requested that they do not call me ) that I was the debtor and that I needed to pay or face fines, imprisonment, and judgments! Another collector told me they were an authorized court agent and told me to set up payment arrangements with them!

Company response to consumer: Closed with explanation