vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX/XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX for this account however Equifax was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Filed a dispute with Equifax. They sent email that the dispute investigation was complete. I go online, as they suggested to view information and the website would not let me access the dispute. I then call them and they refused to give me the information or mail it to me or tell me how to get the results. I asked them what was wrong with the identifying information I was providing and the person on the phone kept saying " that is not the case ''??? I ask him what that meant, and he kept repeating the phrase " that is not the case '' what case? what do you mean? and the Equifax Representative kept saying that is not the case. I want to get the information of the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called XXXX XXXX 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 however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I want to express my frustration with working with OCWEN on a Loan Modification to  save my house on due to my hardship situation. Not only have they made the situation difficult for me, I feel like they have not cooperated in helping assisting me in keeping my house, the house that I have work so hard to keep. It all started in XXXX of XXXX with a simple request of a Loan Modification. I was facing a small Hardship that caused me to fall behind on my payments for the house. My household income was decrease for a bit due to the fact that the commission I was receiving was shorter that what it previously used to be at. I could not pay the month of XXXX on time and next thing I knew I felt behind on my mortgage. I did not mean to fall behind on my payments, I am very responsible woman, and try my best to satisfy the obligations of my monthly bills. I requested a Loan Modification back in XXXX and was Denied on  XXXX of XXXX just with the simple fact that the investor did not want to participate in the Loan Modification. They kept sending me letters to help me out with a Loan Modification to save my house, they kept sending letters that the file will be reviewed for a Loan Modification. I send my loan modification package to be reviewed by them, they open a template, have the file be reviewed by the underwriter, and then deny my file for a loan modification because the investor does not want to participate on the Loan Modification. I don't understand why would they not want to participate in the Loan modification. I want to do right by them and get an approval and start making payments on the Loan I have under my name. Then they managed to scared me even more by sending me a letter that a Foreclosure proceedings was going to be initiated due to the fact Im not paying the mortgage, its not my fault im not paying the mortgage, its your fault, because once I saw I was in a hardship, I requested help, you started to help me, and then turn around and said no. Its not fair for me as a consumer. I want to save my house, I have the money to pay my monthly payment. They send over another letter that they can help me, and next thing you know, I provided the documentation to have the file be reviewed for a loan modification, they open a template, have the file be review, and then I get a denial for the same reason. I don't think this is fair for me.I need the help, you start to offer it and next thing you know deny my help. I want to do what is right for both us as a consumer and you as a bank. I know I qualify for a loan modification, I know I can save my house, I know I can eliminate the foreclosure, but I need your help, its just not fair for me that I work so hard with you, comply with everything that you needed, and next thing you know, you just want to deny my case and proceed with a Foreclosure to try to take over my house. Its just not fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha 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 however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
on XX/XX/18 I purchased a used vehicle from XXXX XXXX XXXX. I was sold a 2017 XXXX XXXX. My purchase contract states that I purchased a vehicle with no additional warranty, even though I financed and paid several thousand dollars for my warranty. The company pressured me to roll in more onto the loan than the value of the car. My information on my disclosures and purchase contract does not align with any of the information or financing that was agreed to. The vehicle I was pressured to purchase now has been wrecked and not disclosed so I am filing a complaint with Indiana State for possible Dealer Fraud as I was also provided a XXXX XXXX free of any accidents and the car has substantial damage to it covered up prior to sale. This compilation of ineptitude, and conspiracy has me with a higher rate auto loan, a car only 3 months old that has massive damage to it and much extenuating costs associated with financing and auto ownership. I have given them multiple opportunities to buy back the vehicle or to simply repair the car and bring it to par. Their answer was to accuse me of fraud and of wrecking the car since purchase. It's a horrific situation and one that can not be fixed by me alone. My credit report equally shows they did not properly pay off my auto loan as is required by law.

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 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX  REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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:
There are two collection agencies reporting two different medical claims to Equifax that have been paid. Equifax is the only credit bureau that has failed to properly investigate my disputes and delete the erroneous accounts. The other two bureaus completed a thorough investigation and removed the medical debt that is still being reported on Equifax. I have called and submitted disputes online. They are simply accepting the collection agency 's word over mine even though the collection agencies do not have any information to refer to to properly verify and validate the alleged debts. The original medical companies no longer have any of the files to verify anything. The collection agencies simply have an old bill. They collection agencies are XXXX XXXX XXXX and XXXX systems. Neither of these are medical providers thus they do not have any permission to follow up on any claims so they are attempting to collect from a single bill that they received from billing departments years ago. Those claims have been paid. Equifax has failed to thoroughly investigate my dispute. Both accounts are in violation of the NCAP settlement. The Equifax disputes department is not even aware of the NCAP settlement regarding medical debts. Instead Equifax is ignoring the 180 day policy and still allowing these collection agencies to report nonfactual information even though they began to collect less than 180 days from the original service date. The policy states collection shouldn't commence any less than 180 days from the first date of delinquency. 

The collections are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid my total credit card purchase and now XXXX credit card are billing me with interest for not paying. 
I called XXXX credit card and I have the receipt that I paid my total debt owed! 
Macys credit card still charging me with interests!

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it 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 this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my report is fraudulent

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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sold and closed on my home. The mortgage for the home was paid in full as part of the closing. Nationstar Mortgage ( aka Mr. Cooper ) reported the account closed on my credit report on XX/XX/XXXX, and reported it as being included in my bankruptcy. While I filed for Chapter XXXX in XXXX, and it was discharged in XXXX, I filed and have a legally signed reaffirmation agreement. I continued to pay, on time, on this loan for over 5 years. On XX/XX/XXXX, the account was closed, and paid in full, as a result of a sale. Never once was this included in the bankruptcy or was it affected by the bankruptcy, and to report that it was, which is having a negative impact on my credit and ability to secure credit, is fraudulent, and and creating an adverse affect on my ability to secure financing. 

Nationstar ( aka Mr. Cooper ) needs to correct this reporting immediately, and assure that they remove any bankruptcy reporting from this loan, and they need to show the loan was closed in good standing. This needs to be done immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I sent {$120.00} UDS online utilizing Moneygram on XX/XX/XXXX. It was not indicated to me that this was a 3-4 day transfer process at the time I made my transfer. Subsequently, the pending transfer was listed in the XXXX XXXX account which I transferred the money from on the following day Monday XX/XX/XXXX, and settled out of that account of that account on Tuesday XX/XX/XXXX. I have emails and time stamps on my banking records to document this. 

It is now 5 days ( 4 business days ) since I initiated this transfer, and the funds have yet to settle into the account for the recipient XXXX XXXX to pick up locally in XXXX. My calls to Moneygram have been unsatisfactory to say the least! Their customer service is pathetic. I find their conduct unethical and lacking integrity. They should be censured for the disingenuous manner which they are conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: WA

Complaint narrative:
the attorney general has this and is submitting it to the nelnet party to try to resolve they suggested you may be interested, the owning company nelnet took XXXX out of my social security check, i knew nothing about it, al lof a sudden i could not pay rent. i get XXXXsocial security iamXXXX years old, XXXX of that is for rent. so after rent is paid i have XXXXleft for the entire month since that took place i dont even have that now.everything has to go to pay rent to make up for the XXXX loss. i want that money returned so i can give it to landlord. this happened on XX/XX/2019 it concerns a student loan fromXX/XX/XXXX, a  company called XXXX  XXXX XXXX  called me a year or so ago and worked it out so loan would be forgiven o rso they told me however nelnet still has that loan on there books about XXXX i went to school at XXXX college in XXXX wa to try and learn XXXX XXXX so i could get a good job, however i could not pass XXXX  so i was not allowed to continue. so i only went 1 semester.i learned later that due to my age and some XXXX factors i would not get hired had i completed the course.i think XXXX college should have refused me in the beginning, as they knew my situation. i still would like to pursue that education as that is a hot topic in the coming years, buti guess i cant. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MN

Complaint narrative:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it 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 this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX Bank through XXXX  does not offer consumers the ability to put their payments on auto-payment each month. You may only schedule one payment at a time by logging into their site each month to schedule. Despite repeated attempts to get them to add this feature, available by EVERY OTHER CREDIT CARD company in 2019, they will not allow it. I know that XXXX has the ability to do it because my card with XXXX XXXX XXXX allows me to auto-schedule my payments, but XXXX does not. I continually find myself forgetting to go in and schedule the payment, despite my phone reminders, and would appreciate it if they'd try a little harder to help their customers out to ensure that timely payment options are available. Every other bill I pay is paid automatically and it feels like XXXX deliberately doesn't allow this option so that they can rack up fees and late payments. Additionally, often times if I do remember late in the evening to log in and schedule the payment, they cutoff the payment deadline for the day around XXXX or XXXX XXXX so I still end up with a late fee.

Company response to consumer: Closed with explanation