vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-16 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: NC

Complaint narrative:
Disputed The Company XXXX on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX/XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a letter to Experian asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Experian still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
In XX/XX/2018 I received a notice from XXXX that XXXX XXXX XXXX had flagged my account as Collections. The information provided stated this was an Attorney/Collection Dept. provided an address & an amount of {$230.00}. I have never been contacted by this company, never have they tried to collect a debt from me. I have no idea who they are or why they think I owe them money. Not only do I not recall this company, but I have not incurred any debt with anyone for the amount they are reporting to the credit bureaus. 
I have contacted this company using the information provided to me by XXXX and XXXX, months went back, and I never received any validation, or anything for that matter. I then filed a dispute with all three credit bureaus, it has since been removed from XXXX & XXXX. XXXX claims they validated the debt, but I can not get anything. 
This company has violated my rights under the FDCPA, not only was I never notified of their attempt to collect this debt, I also didnt get the opportunity to dispute it before it was reported to my credit report. I have been battling this for several months now, seeking validation, and none has ever ome. According to Section 809Validation of Debts of the FDCPA, Debt Collectors must stop collecting/reporting until validation has occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX   XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, TRANSUNION. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello Im trying to have inaccurate inquiries removed from my report and please dont place any fraud alert im in the middlle of buying a home. I also see that having a fraud alert dosent help. Please remove these all in basically back to back. its several i want tem all removed without a fraud alert XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX 2 times, XXXX 2 times, XXXX XXXX please i didnt apply for these Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
there are some inaccuracies on my credit report, I sent Transunion, XXXX and XXXX verification letter for the accounts in question on XX/XX/2019 via certified mail. Within the letters I needed a copies of verifiable proof that in fact the accounts were mine. After about 27 Days I got letters back saying all the accounts were verified and did not give me any documentation to prove their findings

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 2019-05-16 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On Friday XX/XX/2018 I noticed I had lost my Barclays Credit credit card, when I logged in to check for any activity there was fraudulent charge in the amount of {$3500.00}. I proceeded to call Barclays to notify them of what had happened so they cancelled that credit card, issued me a new one and opened a fraud investigation for the amount of {$3500.00}. 

On Wednesday XX/XX/2018, I get a call from Barclays fraud department indicating they have concluded the investigation and all the information they have align to the charge being legit and they verified it was me. As you can understand my outrage, how can they have verified it was me, when it was not. What has this company done to protect my interest as a consumer? They are in turn, falsely accusing me and holding me accountable for fraud activity on my card instead of protecting my interest. 

Now I went online and notice my credit limit of {$10000.00} has been reduced to {$4000.00} when I have been a client of Barclays for many years, never been late, paid off credit card a few times. i also hold many credit with high available credits of more than {$20000.00} such as XXXX, XXXX XXXX XXXX, XXXX,  XXXX, etc yet they have no problems with me nor have reduced my available credit card.

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 2019-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
In XX/XX/2018, financing for furniture through XXXX XXXX here in XXXX, Florida was obtained through verbal agreement and one signature for delivery service with a salesman. Financing was to begin XX/XX/2018, through American First Finance, in the amount of {$380.00} for 6 months until furniture was paid off. After said 6 months of payments had passed we were informed another {$5000.00} was due in FINANCE FEES AND THAT THIS WAS AGREED UPON BY ELECTRONIC SIGNATURE. None of this ever happened. No documents were ever disclosed, provided, or any other way conveyed. Terms and conditions of an unbelievable {$5000.00} finance fees were absolutely never mentioned, and no further information was ever provided other than a paper with payoff amount and amount of monthly payment, which is taken out automatically. When electronic signature page was requested, in no way was this his signature, electronic or not. Never before have seen an electronic signature in this fashion. Purchase was made through XXXX XXXX here in XXXX, Florida. Complaint against them as well as American First Finance Company. Both establishments have been contacted and we have been summarily and rudely dismissed stating that " maybe we just forgot '' about the financing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted a loan modification package to Ocwen and I received confirmation from Ocwen of receipt thereof ( see attached letter ). My previously scheduled trustee sale date was postponed pending loan modification review while simultaneously having a currently scheduled for a trustee sale date of XX/XX/2019 - Ocwen is dual tracking ; under the California Homeowner Bill of Rights, a lender or servicer can not record a notice of default or notice of sale or conduct a trustee 's sale, while the loan modification application is pending - Ocwen is dual tracking my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
XX/XX/2019 VISA Credit Card Statement from XXXX Bank ( XX/XX/2019 - XX/XX/2019 ) included ( 4 ) separate fraudulent charges from XXXX. 
Transactions dated XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, XX/XX/2019 for {$120.00}, totaling {$500.00}. 
XXXX VISA Cardmember Services on XXXX of fraudulent charges, card was canceled and new card sent to office. VISA XXXX XXXX # XXXX. Notified XXXX XXXX regarding fraudulent charges ( XXXX XXXX XXXX XXXX # XXXX ). 
Requested info sent from XXXX XXXX for charges. Received ( 4 ) receipts for online purchases from XXXX XXXX. 
VISA Cardmember Services provided credit for fraudulent charges on XX/XX/2019 then reversed credits on XX/XX/2019. Called VISA Cardmember services regarding reversal and they stated the reason behind refusing to refund the charges was due to them being from " a company that we have made other purchases from. '' We are a small construction business located in the XXXX, Washington area. While we do make many purchases with the physical XXXX XXXX stores this credit card is not associated with any homedepot.com account, nor have any purchases ever been made on the online store. 
VISA Cardmember Services was notified that we disagree with the refusal to refund the charges and the case was sent to a " Case Processor '' with XXXX XXXX ( XXXX XXXX XXXX ). After ( 1 ) month the case processor reached out to me and requested the XXXX XXXX receipts which were then emailed to the case processor. After another month of trying to reach the case processor for a status an email was received that notified me that unless there was additional information the refusal to credit the fraudulent charges would remain. The case processor was then contacted on the phone and asked what information that they would need in order to change the denial of the fraud charges. XXXX mentioned that something from XXXX XXXX showing the shipping addresses or contact information " may assist. '' XXXX XXXX  was contacted again on XX/XX/2019 and asked to provide a letter/email with screenshots or information showing the ( 4 ) different charges which were ( confirmed verbally with XXXX XXXX  support ) purchased under ( 4 ) different contact names/phones and sent to ( 4 ) different addresses across the United States ( None of which are located in the XXXX, WA area ). XXXX XXXX stated they could not provide any hard copy information other than the receipts and could only report this information verbally over the phone.

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 2019-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: VA

Complaint narrative:
The problem is excessive phone calls from a debt collector. 

XX/XX/XXXX I was contacted by XXXX XXXX, XXXX concerning an outstanding loan from XXXX. The loan balance now is {$1500.00}. I started making payments of {$30.00} a month XX/XX/XXXX. I was in formed by XXXX that if my payments were not secure tbey have the right to call me either everyday or every month. I declined the offer. 

Each month I was asked for permission to access my account and I would decline. In XX/XX/XXXX I made my payment and was asked again. I declined. XX/XX/XXXX i started receiving calls from XXXX when the phone would ring 1, 2, 3 times and the party would hang up. Below is the list of dates and times of calls : XX/XX/XXXX, XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX pm XXXX. XXXX XXXX pm XX/XX/XXXX, XXXX pm XXXX. XXXX, XXXX XXXX pm On XX/XX/XXXX, i called XXXX about the calls and a male introduced himself as a manager. I told him the problem and he repeated that they have the right to call me because my loan is not secure. I then asked if it was part if their policy to let the phone ring and hangup. I then hung up. 

I understand their having the right to call but it is harassing to call the way they are calling.

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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2019-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts XXXX XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX   XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX   XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16 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:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

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 2019-05-16 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:
AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mortgage company Freedom Mortgage will not send my escrow refund check of XXXX. I contacted them in XXXX to see when I would be getting the surplus escrow I paid. The lady informed me any surplus would automatically be sent to me in the form of a check. A month later XX/XX/XXXX I called again checking on the status of my refund. The lady apologized for the misunderstanding and assured me the check would be mailed the next day. It's now XXXX and I still haven't recieved my refund ... so I call the company back and they state it was mailed on XX/XX/XXXX. I'm not sure how that's 2x in a row my check was mailed and not received. It's also frustrating the lady I talked to in XXXX said it would be sent the next day. Today XX/XX/XXXX I asked if the company could just XXXX  XXXX me a new check. After being on the phone for 20 min she said that's not possible. I don't know where to turn or why I have to chase my escrow refund

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