vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. XXXX and Experian have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!

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 2019-05-22 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: Capital Management Services, LP
State: LA

Complaint narrative:
Approximately 6-8 mos ago, and several months before this, I received a call from Capital Management Services, XXXX, looking for XXXX XXXX for payment of a credit card account. This is my ex-husband. We were divorced XX/XX/XXXX. There were no mutual debts at the time of our divorce. I even informed them that I heard from a friend of his, that he died sometime in XXXX. I requested that this company please remove my phone number from their records. To date, they have not done this because I received a call, again, looking for XXXX XXXX. I am tired of being harassed by these people, who obviously do not know how to check whether a person is living or not. Can something be done about this, other than what I am doing?

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 2019-05-22 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: TN

Complaint narrative:
It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.

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 2019-05-22 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax keeps adding back fraudulent addresses. I have requested now 4 times to remove the addresses marled as fraud and they keep reporting them back to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: MN

Complaint narrative:
Transunion Is reporting a bankruptcy on my credit report. I have sent information to Transunion from the XXXX District Courts explaining that they don't report public record to the credit bureau. Upon sending this letter to Transunion and asking them to remove the Bankruptcy due to the court stating they don't report to the credit bureau Transunion has refuse to verify the information as to where the info came from and also has refuse to remove from my credit report as well.

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 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX repossessed Truck. 
Chrysler Capital began reporting to credit bureaus as a charge off bad debt before they actually repossessed the truck. 
A while later maybe a year they were reporting the account was still open. I've disputed everything that this company has reported to the bureaus and not once have they been corrected or removed from my credit reports. They continue to report false information to these buraeus and I keep getting denied credit and it keeps costing me more and more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Link USA, LLC
State: WI

Complaint narrative:
I took a loan out through cashlink usa. Ran into some financial struggles and wasn't able to pay off the loan. 
I did get sent to pre-legal for this loan. I worked out a payment plan with the attorney 's office - that was about a month ago. 
Today, I received an email from cashlink usa with the following information : First Notice of Default and Right To Cure This email in detail is telling me that I owe Cashlink Usa for the same loan that I am in pre-legal for. 
I feel that this is extremely fraudulent on their behalf. It feels as though they are double dipping on this loan. I reached out to the company who simply stated they sent this email in error. 
How is that possible when my account is now in their legal department under a payment agreement. 
I am beyond mad about this. I took responsibility when they sent me to legal and now they feel it is ok to go ahead and send me an email telling me I owe this to them again? 
Mistake or no mistake. I feel that this is a huge violation and I want a resolution to this. I am already upset about the fact that the {$700.00} loan that I was not able to pay back is now over {$3000.00} to pay back- I get it, this is on me to borrow the funds, but then you turn around and send me an email telling me this? NOOOOOOO! Not ok with this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit file was FROZEN with TransUnion, however an unauthorized request for credit got through the FREEZE. TU confirmed the FREEZE was ACTIVE when the report was pulled. Their defense was that in certain instances ( and they went over the list with me on the phone ), certain agencies can get through. However, the company that got through the FREEZE did not fall in any of those categories and was a straight request for credit from a retailer. This is NOT supposed to happen. If it does, it would render the freezing feature useless.

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 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset sent a collection notice dated XX/XX/19. I sent them a letter requesting that they validate the debt. The letter was sent certified mail and was received on XX/XX/19. I did not receive a response from Sequium Asset Solutions but the item appeared on my XXXX credit report. They did not respond to my request that they validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account numbers XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: NY

Complaint narrative:
I am a victim of identity theft. I have submitted all relevant documents to each of the three credit reporting agencies. To date, I have been able to receive status updates and/or investigation results from XXXX and XXXX, respectively. I am not having any success in obtaining information from Equifax. In fact, although Equifax has sent me an email stating my dispute is complete. But in spite of this fact, I haven't been able to access said report after making multiple attempts both online and by phone. A separate and earlier dispute was submitted on XX/XX/2019. More than one month later, still no information. And, I have been unable to receive a copy of my annual credit report for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: LEXISNEXIS
State: AZ

Complaint narrative:
This letter is a statement of dissatisfaction concerning customer service at LexisNexis and the other 3 credit bureaus. After recently finding out I was a victim of identity theft I tried calling only to get a voicemail and no return call. I needed to submit all of the documents proving this was not me in order to remove the fraudulent information from my record. This all happened because someone maxed out credit cards that I rarely used, and then filed bankruptcy so I wouldnt get calls from the creditors. At this point I dont know what to do since this has massively affected my life.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Borrowers Pushed into Foreclosure by Servicing Errors and Eminent Failure Scenario XXXX XXXX XXXX XXXX ( XXXX ) engaged in significant and systemic misconduct that occurred at every stage of my mortgage servicing process. XXXX violations of my mortgage put my mortgage at risk of foreclosure under Eminent Failure Scenario which would result in losing my home. Specifically, XXXX set my mortgage up for failure. 

Took advantage of my mortgage with servicing shortcuts and unauthorized fees : I relied upon XXXX to, among other things, treat me fairly, give accurate information, and appropriately charge for services. XXXX violated the law and my mortgage in a number of ways, including : Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging unauthorized fees for default-related services ; Imposing force-placed insurance on consumers when XXXX knew or should have known that they already had adequate home-insurance coverage ; and Providing false or misleading information in response to my inquiries to save my home. 

Deceived me about foreclosure alternatives and improperly denied loan modifications when I was eligible and qualified : I turned to XXXX because is the servicer for the investor 's loans, as my only means of developing a plan for payment. XXXX failed to effectively assist, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ; Losing documents when faxed a number of times to the loan representative ; XXXX did not maintain a point of contact, every time I wanted to speak to my loan representative, was referred to the collection department, different agent every time. 

Engaged in illegal foreclosure practices : One of the most important jobs of a mortgage servicer is managing the foreclosure process. But XXXX mishandled foreclosures and provided consumers with false information. Specifically, XXXX is accused of : Providing false or misleading information to consumers about the status of foreclosure proceedings where the borrower was in good faith actively pursuing a loss mitigation alternative by XXXX ; and Robo-signing foreclosure documents, including preparing, executing, notarizing, and filing affidavits in foreclosure proceedings with courts and government agencies without verifying the information. 

XXXX XXXX acquired this mortgage on XX/XX/2017, I do not have contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XXXX, I was approved for a loan modification that had principal forgiveness every XXXX for 3 years. XXXX is here, and of course, no principal forgiveness as promised by Ocwen. Each and every year, I have to reach out in order to receive the principal forgiveness that was promised to me. 
Again, I am to receive a principal forgivenss and they did not do so. Not only that, my loan is being sold to a new lender as of XX/XX/XXXX, and I do not want to hula hoop with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 have contacted the credit agencies with regards to the XXXX XXXX XXXX account that is reporting on my credit file. All of the credit agencies remove this account except for Experian. Experian is reporting an account that does not belong to me. Please assist me in getting this account removed from my credit 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 non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am being harassed by Southwest Credit. I do not know why they are contacting me but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( Collections ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX Online via their website with the same information given to the previous three companies. A couple weeks later I received another debt collection letter from XXXX again for same debt that I do not owe. I filed with you, and a dispute with them and it was dropped the next week. Today, XXXX, I receive a letter from Southwest Credit for the same debt, even though I have been called by them 3+ times a day for over a week and I have already told them I have no debt and to PLEASE CEASE! They have no formal dispute on their website so I filed one through their Feedback portal and informed them I was filing a complaint with you. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 5 ) collections companies when they are the sixth company pursuing a false claim. The mistake was on XXXX 's part and not mine. I was with them for ~23 years or so and had no contract. They acknowledged this in XXXX when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are unrecognized accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief