vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX 4. 3 Reporting Credit Bureau 's ( XXXX, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 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:
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.

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 2017-11-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
made payment. Ocwen is saying. I was late. payment got to them by XX/XX/2017. 
now they want me to pay a late fee. 
I dont think this is right

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 2017-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
They have placed negative items on Credit Report. I have asked them to send me a invoice for these debts. They refuse to send me a invoice. My insurance said if they have a invoice they will pay it. They continue to call me. I have told them I wo n't pay it without a invoice. This item is over 7 years old.But because I do n't have a invoice I can not tell for sure.

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 2017-11-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Approximately around XX/XX/XXXX I opened a credit card with XXXX XXXX through XXXX as part of a partnership they had with their memberships. There was no issues or late payments throughout the whole time with the credit card. However, in XX/XX/XXXX being a military family we were XXXX XXXX. So we went ahead and contacted XXXX XXXX and made them aware of our location change. We were told there was no problem we could continue our normal payments while overseas. Later on in XX/XX/XXXX we were informed that they would be no longer part of the XXXX membership and they would be switching over to citi bank and that no further action was required from us. We were informed new cards would be sent out to replace our XXXX XXXX. That was not what happened at all once they switched to citi bank we on multiple occasion explained to them that we never received the credit cards. And that we needed them to continue to make payments online. However they informed us time after time that they could not email them to us XXXX. When we tried to get them sent to family members to send to us. Citi bank never sent them. Prior to these issues i had enrolled for a different citi bank credit card and received that with no problem XXXX. Once we realize we would never get the cards we still needed to make payments and continued to make attempts to call and make payments. But in order to make the payments they required our credit card account information. But when we would ask for it they would tell us that for security reasons they could not give us that information. At this point there was nothing we could do to make a payment every time we attempted they could not take it because they required account information that could not provide due to security reasons. After 6 months they charged off the credit card and the debt collectors called and have made payments through them. Overall Citibank never afforded us the opportunity to make payments. We never received any account information for our new citi bank account and we were forced to be charged off by the bank. Now this whole incident continues to affect my family because of the impact on my credit report. That had nothing to do to negligence or irresponsibility on my behalf. I honestly and truly feel like i was taken advantage of by citi bank.

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 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
We have three mortgages that are now being serviced by XXXX. The original lender was a different lender. The terms of our loan is such that the interest rate far exceed what was standard at the time. We are paying nearly 12 % on one of them and almost 10 % on the other two. They were both primary residences at the time they were purchased and we were not told that the loans carried adjustable rate mortgages. 
The mortgage documents were never explained to us at all, nor were we given options. We were not told that the mortgages were adjustable. No part of this transaction was professional nor was it in line with the loan terms of the time. 

We are unable to refinance due to being self employed and they are now rental properties. Both homes are extremely upside down and we are not able refinace or alter the terms of the loan. 

The loans were structured in what can only be described as predatory lending. 

XXXX is the servicer and has even for years. We have tried to work with them and we do n't want to go through the many months needed for loan modification. We would like them to adjust the interest rate to something that is more in line with what the market was doing at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " XXXX XXXX XXXX ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: LA

Complaint narrative:
I have sent several letters asking Experian to remove inaccurate addresses, telephone numbers, names and ss # that 's Reporting on my credit report..I am a of identity theft already and these fraudulent & outdated addresses, along with 2 social security numbers that are not mine, unknown numbers exposes me to become another victim ..I 've sent it verification of my ture social security number and address why would they not remove this ..Tonight I received a new Address about a address I do n't live at and never did .. By law Experian is supposed to only report true and accurate information this is a violation of my rights as a consumer

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 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " Wells Fargo Bank ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit 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 non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I Open up bank of america credit card account in XX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with bank of america and few months later it was denied by them and they marked the card as ' as lost ' and i called bank of america and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from bank of america and i check my credit score and it went down to XXXX from XXXX and i called bank of america on the XXXX of XXXX and asked them to email or send a letter to 3 major credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my XXXX 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 monetary relief
Consumer complaint received 2017-11-29 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2017-11-29 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial XXXX/XXXX/XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NC

Complaint narrative:
I have been disputing information that is appearing on all 3 of my credit reports with Experian, XXXX  and XXXX XXXX for a very long time now as there is a significant amount of negative and derogatory trade lines on these credit reports that do not belong to me nor did I ever sign anything for them and each and every single time I have disputed these with all 3 credit reporting agencies all they do is inform me that after verification it belongs to me. I had requested from all 3 of them then please provide me proof and evidence with dates and proof of my original signature on these items and they informed me they do not do that and then I had asked how do you verify that it belongs to that person and I was told by social security number and date of birth and I informed them I was a victim of identity theft and have the police reports as proof of the crime and they informed me that do not accept documents of that nature. There are auto loans on my credit reports that I never had or signed for and there is federal and state tax liens as well and none of them ever were associated with me ever and none of the 3 credit reporting agencies will do anything to help and assist me to have all these negative and derogatory trade lines removed and deleted from my credit reports that I never had anything to do with and this is wrong in my opinion why I am being punished for something I never created in the first place. I am demanding swift legal actions taken against the 3 major credit reporting agencies Experian, XXXX and XXXX XXXX immediately as this is not right to be treated like a consumer in this manner ...!

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Open up XXXX XXXX XXXX credit card account inXX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with XXXX XXXX XXXX and few months later it was denied by them and they marked the card as ' as lost ' and i called XXXX XXXX XXXX and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from XXXX XXXX XXXX and i check my credit score and it went down to XXXX from transunion and i called XXXX XXXX XXXX on the XXXX of XXXX and asked them to email or send a letter to 3 major  credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my transunion  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