vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times to try to get a lower payment because i knew my interest was very high and my car was in an accident and even though my car was sold I still owed a very high balance. I have a couple of friends who are not XXXX and their payment was not as high as mine nor was there payments that high. I have been approved by XXXX XXXX XXXX Corporation Settlement for discrimination but this is still on my credit report. I read the contract and it said I had to pay over {$400.00} a month and the price had had jumped to {$29000.00} and some. I went to the dealership and I spoke to the salesman about the figures and took me to the finance department and the finance manager said that he explained to me about the price and still said that it was too high and he said that he will try to see what he could do. I advised I thought this was a loan with a XXXX interest and I was told that my payment should be no more than {$250.00}. I feel like nothing was explained to me correctly and they took advantage of what I didnt know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX  ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to correct erroneous Data ( Balance, Current Status ) Regarding XXXX XXXX   XXXX. They have been sent copies of a Mortgage Statement and a Bank Statement showing The Balance was wrong, the correct payment amount and a statement on it showing that all payments RECEIVED after the XXXX of the month would be considered late. 
The bank statement shows the date of the check being processed on the XXXX of the month by the Bank. Common sense tell us that for it to be processed by the bank on the XXXX of the month, it had to be received by XXXX  on or before the XXXX of the month. 
Also in the cover letter I stated that I was in contact with a REPRESENTATIVE from XXXX that advise that they were aware of problems with reporting DATA to the Credit Agencies and told to do the above per their instructions and they DO NOT expect any corrections soon because of another party involved and to give the agencies their phone number which I did. 
Equifax has NOT supplied me per date with how they investigate per their own statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX, a debt collector with ASCI - Automated Collections Services, Inc of XXXX TN.- has called me twice in one week on a debt that is not overdue. She called me twice over a debt where the most recent payment was exactly 20 days prior. ( Paid XX/XX/XXXX, called by this representative on XX/XX/XXXX and XX/XX/XXXX. ) This is outside the 30 day guideline. Furthermore she was rude in her tone to me and stated that ASCI has not " heard from me since XXXX. '' ( This is on XX/XX/XXXX ). I told her that yes, that made perfect sense ; because I paid them in XXXX and now it's XXXX. But she seemed unable or unwilling to acknowledge that my payments have been completely on time. I am disgusted by being targeted and spoken to as someone who is delinquent when I am not by a representative for a company who I have paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union is been unwilling to correct my credit report and make updates and correct personal information. This is going on since XXXX til XXXX and NC Attorney General office has also tried to get them to fix this * Wrong places i lived * many wrong address listed * And my work history is also wrong as i have sent many times. My credit reports are wrong listed info You, ll see all my reports and copies is the same as they have had 4 long yrs is too long messing with these people

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Re  : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX Investment Account : XXXX PSA : XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualified Written Request Dear XXXX XXXX : On XX/XX/XXXX the undersigned filed a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) to XXXX XXXX XXXX , XXXX XXXX ( XXXX ) which falsely claimed to be the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. 

The complaint was responded by XXXX XXXX to the CFPB saying the complaint do not belong to them. But failing to responded to the complainant, as it is required. 

When CFPB allow this improprieties happen, it deprived Complainant from have access to vital information that is need to solve this matter. 

This matter can not be solve without a written responded from XXXX XXXX 

Since XXXX, False claiming have been made that XXXX XXXX XXXX is the holder of the Note of my Mortgage. 

Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. 

New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2 Asset-Backed Pass-ThroughCertificates XXXX  2006-FM2 was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trust 2013-C7, which consolidated different type commercial and residential pooling Servicing Agreements. 

THE FOLLOWING INFORMATION IS REQUESTED IN WRITTEN : 1. copy of all evidence, allonges, blanc endorsement of the note that XXXX as the note holder of the above mortgage. 

2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect, that and that the current Trust is XXXX XXXX, no XXXX XXXX XXXX. 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : Middle District Bankruptcy Court case # XXXX XXXX County Court case # 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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX 2 ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX 3 ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX XXXX ) XXXX XXXX  ( Balance ) {$1800.00} Opened : 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 2019-11-18 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: NY

Complaint narrative:
These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : 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 non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX  Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal  : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX  Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
Beginning in XXXX of 2019 I have attempted to contact HSBC about the {$350.00} welcome offer they advertised when I opened my account with them on XX/XX/2019. Since then I have been told to call back anywhere from 24 hours to 2 weeks to get response. I have been told I will be called back. Since XXXX, I have not received one call back from HSBC regarding my query. I've been told that I was not eligible due to not applying through the landing page, I provided screenshots of the offer, the terms and my application ID. They have confirmed that I met the terms of the offer, however they have not credited my account with the {$350.00}. 

Most recently, I was told back in XXXX that some back office team told them that my application ID was tied to another customer and they were trying to figure out why and that the {$350.00} needed to be approved by a manager and would be paid in another 6-8 weeks. It's now been well past that timeframe and I just called on XX/XX/XXXX for an update and I am being given the same runaround answer that their query management system team needs to look into it. After pressing them more, I am told they are re-opening my case which should take another 4 weeks to be paid. I have been eligible for this bonus since XX/XX/2019 and it should have been paid 6-8 weeks after that date. I have called HSBC at least a dozen times in this time and have received nothing but broken promises that this would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2017 a family member signed to get a loan for anther family member of mine. I didn't mine because they were family I didn't want anyone to get into any trouble. I was even help paying the interest on the loan to protect my credit. Then the borrower stopped paying completely. I went and got legal advice and they advised me pay the loan off and seek the co borrower in court for the vehicle. Well the vehicle has been wrecked since last year and she hasn't reported it to the credit union. I  believe this breaches the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my  personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2019-11-18 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: FL

Complaint narrative:
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have paid in full in XX/XX/2019 the account in Collection with LVNV Funding regarding XXXX XXXX XXXX  Credit Card. The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation