vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: MD

Complaint narrative:
I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI

Complaint narrative:
My home was purchased as a VA home loan in XXXX, XXXX. At that time the company handling my loan was in the process of being purchased by another company - Cardinal Financial. 

In XXXX, XXXX I applied through my loan agent for an Interest Rate Reduction Refinance Loan. I was advised that we could not process the IRRRL loan due to the fact that Cardinal Financial had NEVER filed for the loan guarantee portion of the VA home loan through the VA. So since early XX/XX/XXXX I have been waiting on Cardinal Financial to get with the VA Home Loan processing center and get the loan guaranteed. I have not made the payment for XXXX of XXXX since I was approved for the refinance loan. Cardinal just told me today ( XXXX, XXXX, XXXX ) that they had to send my guarantee request to the VA for a Manual Guarantee. The VA said this could take up to 60 days to finalize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS

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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Wakefield and Associates are in violation of the Accuracy in Reporting Medical Debt Act of 2013. Wakefield place this medial debt on my credit report before the 6 month grace period to allow my to pay the debt. Which I was doing. 

Below are the 2 account I have attach the credit report showing this violation 1. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

2. Account XXXX, Amount XXXX with a Date Opened reported on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX  and XXXX. This reporting is before the 6-month / 180 days grace period to give XXXX XXXX time to Pay the medical debt. You are damaging his ability to secure debt. Each violation is up to 1000.00 fine for each Violation. 

I have included the FCRA violation below. 

Accuracy in Reporting Medical Debt Act of 2013 - Amends the Fair Debt Collection Practices Act to prohibit debt collectors, during a 120-day period, from reporting a medical debt ( arising from the receipt of medical services, products, or devices ) to any consumer reporting agency if the consumer, within a specified timeframe, disputes the validity of such debt through a written statement that the consumer is : ( 1 ) continuing to communicate with an insurance company to determine coverage for the debt, ( 2 ) disputing the amount or existence of the debt, or ( 3 ) awaiting a determination on an application for financial assistance when the consumer provides evidence of such application.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX XXXX in the amount of {$97.00} dated XX/XX/2016. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2019-12-30 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

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 2019-12-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Hello, This is XXXX XXXX, PHH Mortgage bought my loan and have failed to do their jobs at every step ... Due to their nefarious plan to steal my house. 
I have many XXXX reviews that show that this company is not just doing this to me but a lot of their customers ... 
They dont notify you when they buy your loan and then if you miss any payments they block you and send the account to their lawyer to forclose on your loan after two to four missed payments caused by their failure to notify you .... when you try to make payments they refuse to accept it while also sending letters that they are mandated to send by law requesting payments ... When you call or log in to their aweful website to pay off your debt they refuse to accept payment ... requesting the entire balance of the loan instead ... essentially demanding you refinance or give up your home in default. 
you call for a modification due to their actions and they say they will consider it but its a delay tactic as they ask for no information but always decline it while buying time for their lawyer to forclose on the home ... they dont want payments ... they want the house which will increase in value and even if you get a lawyer to sue them into taking payments ... they just charged a whole bunch of late fees for blocking you from paying on time ... They know that Under Trump the CPFB has no claws as Trump has  hollowed out the CPFB since they held him accountable for his fraudulent schemes in the past ... suing the supreme court to dismantle it entirely! Companies know there is no cop in the beat and they are taking advantage of the elderly and disabled to make millions!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase blatantly lied to both Consumer Finance Agency/Federal Trade Commission with the intent to cover up numerous violations of the Fair Credit Billing  Act. In JP Morgan Chases response to complaint XXXX it said they sent me a notice on XX/XX/2019 that said the fraud that I reported on XX/XX/2019 was under investigation. That is a complete and utter lie and I proved that to you, Consumer Complaint Commission/Federal Trade Commission, with the screenshot of my account PROVING I received NOTHING until XX/XX/2019. 

I will not stand for being lied to by a corporate entity who is supposed to have a fiduciary responsibility to protect me from fraud using THEIR CARD! If you can not hold companies accountable to compliance with the FCBA, and protect consumers like me, please tell me what government agency to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: MN

Complaint narrative:
This company shares medical records with 3rd parties. This is a breach of the HIPPA privacy laws instated by our federal government, since this company that deals with the American social security system ; As a part of our federal consumer privacy laws in America this is an alarming company to be sharing personal information to parties WITH NO PERMISSION from the consumer. This is also a FEDERAL OFFENSE in accordance to our constitution and laws set in place to protect consumers from fraud and privacy Breaches. I have not nor do ever authorize this company or ANY of it's partners/ affiliates that have are or will be involved in this policy, to ever use my information for any reasons regardless of requests from other parties. Again this is a company breaching consumer privacy laws by releasing medical records from it's consumers/customers with no permission. Nor do I authorize this company to ever use my information or to share any said information collected about myself or my descendants for any reasons what so ever, here unto and forever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: MA

Complaint narrative:
I wanted to report that this company Performant Recovery was calling my co-workers on their personal cell phones in the evenings to get information about me. My co-workers gave me the numbers that the company was calling from so I contacted them to find out what this was about and they are a debt collection company. Long story short, they had the wrong person, I don't owe anybody anything, but they were incredibly rude on the phone. My understanding is that it is not legal to contact people 's co-workers at home in order to get information about them, which is what they were doing. They were asking from my social security number, address and phone number but wouldn't tell my co-workers what this was about. They never tried to contact me at work or home, although they claimed that they did. I'm in the phone book and they also had my work number but never called me there. When I finally convinced them on the phone that they had the wrong XXXX XXXX ( my name ) they told me basically it was my fault for having such a " common name ''. It's very upsetting to know that your co-workers are being contacted by someone looking for information about you but not knowing why. Especially since they had the wrong person.

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 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Received a Request and Written for Garnishment from the State of Michigan Judical District Judical Circuit from a 3rd Party trying to garnish income tax refund/credit. This was on XX/XX/2011. This old debt from a 3rd party is Past the Statue of Limitation in MIchigan. According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. This is old charge off and these 3rd Parties still think they can get money off a old debt, which I don't even recognize. They can keep filing with the courts and get granted but I will NOT be paying a 3rd Party, as I don't know this bill and has been a charge off!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
On XXXX, XXXX I received a credit notification that a negative item was listed against me, On review of my reports it was listed as Midwest Recovery System in amount of {$2600.00} for payment for XXXX XXXX XXXX. I was never contacted by Midwest about this account. Further more The amount that they request is the same amount XXXX XXXX XXXX stated I overpaid and sent a check to me, I called them and unsure about amount asked them to verify but in mean time was told to return check to car dealer which I did..check was not cashed by me.. ( Second ) date of first late payment was in XXXX not XXXX. Amount in question is incorrect account should be {$0.00} please research check amount submitted by Original creditor and returned as instructed to car dealership. check bank cashing information as I did cash check. Also regarding Midwest a review of my phone and mail history for certification of recipients shows no calls or contact history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: RI

Complaint narrative:
In XX/XX/2019 i filed an ftc ID theft affidavit to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my experian report. This account was blocked for the last 6 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however Experian is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately.

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 2019-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am XXXX years old and I have been repeatedly called by an unknown caller who leaves the following voice mail, which I have transcripts of - " We are contacting you from process division we received an order for you it looks like two pending charges. Now unfortunately because we were not able to reach you by phone you will be actively pursued at your place of employment and your residence. 
You have the right to contact the client to resolve the case voluntarily. Understand when you are located -- you forfeit that right. To speak with an agent press one or contact our office at XXXX. When calling be sure to reference your case number. '' I have the transcript of another voice mail which is very similar- same phone number. 
I finally took the call. The caller- who identified himself as XXXX XXXX or something similar, new my name and the last of my SS #. I asked him what company he was calling from and he said- XXXX XXXX  XXXX. He said they had tried to contact me by mail at an address- where my daughter had once lived. He then told me I still owed $ 13,000+ on a previous car repossession. And knew my entire social security number and named the model of car. And that they would resolve the debt for {$960.00}. 
There in fact had been a voluntary repossession of that XXXX XXXX. I am currently paying off the balance with another collection company and have been for several years. 
He said it was probably too late and already headed to court, but would try to intercede. He put me on hold and when he returned said he could accept the payment. 
I told him I had to go into a Dr appointment and I would ball him back. He gave me this number and extension- XXXX XXXX. He said I only had 2 hours or it was going to court. I did not call back and continue to get the call- voice messages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and filed a police report back in XX/XX/XXXX. I have been going back and forth disputing XXXX XXXX and XXXX accounts and the bureaus will not remove the accounts off my credit report which is affecting my score and me being able to move forward. XXXX XXXX is saying I owe them {$20000.00}. This account does not belong to me and I need it removed from my credit report. They removed the accounts from XXXX back in XX/XX/XXXX and reinstated the accounts on XX/XX/XXXX and now will not remove it. The same situation with the XXXX account. They are stating I owe {$22000.00}. Experian deleted the item off my report back on XX/XX/XXXX and reinserted them a couple of months later. Please remove these items from my report immediately.

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