vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
OCWEN recently merged with PHH Mortgage. 
On XXXX XX/XX/2019, I received PHHs Escrow Account analysis indicating a shortage in that account. 
On XXXX XX/XX/2019, I paid the shortage in the amount of {$780.00}. That check has cleared, I have proof of that from my bank statement. 
Sent several messages to PHH through their internal website messaging system inquiring why my monthly payment was increasing after I pointed out that their analysis of my escrow account was inaccurate and after I paid the full escrow account shortage. 
I received 2 confirmations that my messages were received by PHH, yet I received no response to my inquiry. 
I called PHH on XXXX XX/XX/2019 asking why they hadnt responded to my messages and was told they never received anything internally, yet their website provided confirmation numbers of my messages. During this conversation, their representative explained that I needed to fax any documentation that I had supporting my claim to their tax department. 
On XXXX XX/XX/2019, I faxed PHH my documentation, which consisted of my County estimate of property taxes and my County approval of a 25 % reduction of property taxes for elderly and disable persons to their tax department. 
My Countys property tax amount was lower than PHHs estimate and neither PHHs or my Countys amount calculated the 25 % reduction into the final figure. 
My paperwork clearly indicated that PHH is overcharging me by {$38.00} monthly for my mortgage payment beginning on XXXX XX/XX/2019. PHH has both of these documents and hasnt responded to a legitimate customer inquiry To date, I have NOT received a reply from PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
Been disputing this account a not mine this is been close and not mine BMW FINANCIAL SERVICES since 2012 Acc # XXXX call them was unable to get more information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written to Transunion several times to address a few accounts on my credit report. under section 1681 I am entitled to a fair investigation into accounts reporting on my credit. I have spent money that I can not afford in mailings and certified postage over the last several months and I am unhappy with the way Transunion is handling my requests. I need the CFPB to help me deliver this message. Transunion is the ONLY company reporting this information and its impossible the account would be removed for non compliance with the 2 bureaus yet verify compliance ONLY with Transunion ... Transunion never did their job and under section 611 of the FCRA I request their procedure into my file.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Albuquerque Auto Outlet
State: TX

Complaint narrative:
I purchased a vehicle from Albuquerque Auto Outlet XX/XX/2015. I was not offered a bank finance option instead I was offered in house financing. I was told that by using their in house financing after 6 months of on time payments it would reflect good to my credit report and I would then be able to refinance. On XX/XX/XXXX I had pulled my credit to see if the on time payments had improved my credit enough to refinance. After reviewing Albuquerque Auto Outlet had not reported to my credit at all. I reached out asking why it had not reported and was told they are working on it. After months of waiting for them to report to my credit and being told they were working on it it never was reported. I then made the decision with never paying late to return the vehicle to them. They are now reporting that 3 years later that they just repossessed the car and that the balance owed is over {$40000.00}. I have disputed the inaccurate amount owed and inaccurate reporting as to when the car had been repossessed and each time they have claimed its accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
ON XX/XX/XXXX I PURCHASED SOME CLOTHING AND A COUPLE OF XXXX WATCHES ONLINE ON THE MACY 'S WEBSITE ON XX/XX/2019 TOTAL WAS {$1400.00} ... ORDER NUMBER XXXX .. 

THEY CLAIM THE PACKAGE WAS DELIVERED, BUT I WAS NOT HOME NOR ANYONE WAS HOME ON THE DAY OF DELIVERY. I TOLD THEM I DID NOT RECIEVE THE PACKAGE SO THEY TOLD ME THEY WOULD INVESTIGATE. AFTER THYRE SO CALLED INVESTIGATION THEY SAY THAT IM TOTALY FINANCIALLY RESPONSIBLE FOR THE PACKAGE IN QUESTION. ISPOKE TO THEM AND ASKED THEM HOW THEY EXPECT ME TO PAY FOR SOMETHING THAT I DID NOT RECEIVE AND THEY'RE CLAIM WAS THAT TO MANY PEOPLE HAVE FILLED CLAIME 'S FOR THE SAME TYPE OF ITEM THAT I'M CLAIMING. 
I TOLD THEM THAT I DONT SEE MYSELF PAYING THIS SINCE I DID NOT RECEIVE THE ITEMS. 

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 2019-09-30 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: TX

Complaint narrative:
XXXX and Experian are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2019-09-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from XXXX, Equifax, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
I refinanced my mortgage with the mortgage broker I've always used. He made sure that the current loan with Suntrust Mortgage would be paid off on XX/XX/19 to make sure it wasn't late. He's never had a problem paying off a loan on the XXXX of a month with any other bank, however Suntrust Mortgage company reported my payment as late because it was after 30 days. They didn't take into account that it was paid by the end of the month and paid in full. When I contacted them they said they wouldn't change the reporting because it's their policy that it be paid by the XXXX of the month. I feel that this late payment showing on my credit report is incorrect .... and the payment wasn't even made by me, it was paid through the process of refinancing. This bad report reduced my credit score by over 20 points! If you review my credit report you would see that I've never made a late payment, that's one thing I'm always good about doing, paying my bills on time! 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 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-09-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 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: AZ

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I cancelled broadband internet service with XXXX in XXXX of 2019. I received a large bill in XXXX of 2019. I spoke to XXXX on the phone and was assured that bill was incorrect. I was told to wait for the next billing cycle and my account would adjust and show a zero balance. 

In XXXX 2019 I received another bill with a lesser amount due. I called XXXX and discussed the account with a billing representative. The representative told me the bill was incorrect and I should receive a zero due statement shortly. 

In XXXX I received a letter from XXXX advising me of a past due bill. On XXXX XXXX, 2019, I called and spoke to a representative named XXXX who assured me the issue was fixed and I did not owe the money. 

On XX/XX/2019 I received a notice from a collection agency, Credit Control Corporation, requesting payment. 

I again spoke to XXXX on XXXX XXXX, 2019. Frontier now tells me that I owe the money but they acknowledge that the account notes say I was told I don't owe the money. 

I am very upset that XXXX sent my account to collections while telling me I did not owe them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Each time I make a payment, the payment comes out of my bank but is not applied to my account for weeks. The Menard 's Contractor Card with Capital One is terrible. I paid my balance of XXXX on XX/XX/2019. The money left my bank account on XX/XX/2019. As of XX/XX/2019 the payment has not been applied to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: AZ

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX  original creditor XXXX XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XXXX. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX and Transunion are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX   XXXX XXXX XXXX AZ account number XXXX. ( Please see page attached from my credit report. ) This account was included in the bankruptcy which was discharged on XX/XX/2013. ( Please see page attached. ) XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have been reaching out to XXXX and also Reaching out to national credit systems about this matter over a year. I have provided my police reports and no one has responded about this debt of my report. No one is adhering to the laws set in place by the fcra that protects me as the consumer for having unfair and untrue things on my credit report. this matter is hurting my family and i and preventing me from obtaining jobs and securing a home for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
During the month of XXXX, Bank of America allowed 8 fraudulent accounts to be set up with my information. 

I spoke to BofA right when I received a statement in the mail, they said they would close all accounts. I then received 6 more statements regarding accounts that they had closed but yet let 2 more stay open.

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 2019-09-30 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: DC

Complaint narrative:
I am not aware of this debt but the company keeps calling me on my work phone and then my cell phone several times a day. I asked them to send me something in which I still havent received anything. My Supervisor is also getting tired of the many phone calls!! I also asked them to stop harassing me and I plan on disputing the matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : 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 2019-09-30 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: FL

Complaint narrative:
I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : 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 non-monetary relief
Consumer complaint received 2019-09-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
1 ) Opted for FREE credit monitoring services after information BREACH ; 2 ) Received email notification XX/XX/2019, my FICO Score had " decreased '' although I've not incurred NO new negative accounts or credit in last three years!

3 ) When followed link found ONLY NEGATIVE ACCTS REPORTED ; 4 ) UNABLE to upload CURRENT bank accounts information ; 5 ) OR LINK BANK ACCTS WITH DIRECT BILL! accounts : CAR, RENT, UTILITIES!!! ; 6 ) ALL EXCELLENT PAY HISTORY ; 7 ) FALSE REPORTING=INADEQUATE information=bringing MY SCORES DOWN!

8 ) CUSTOMER SERVICE PHONE IS FRAUDULENT! UNABLE TO EVER REACH A HUMAN BEING! Challenge anyone to do so!

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