vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I just received the attached credit report today and both the XXXX XXXX XXXX " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XXXX. Neither of these accounts technically exist and this " XXXX '' ( XXXX XXXX XXXX ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached Experian credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!

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 2020-02-19 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from XXXX  which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: ERC
State: NY

Complaint narrative:
there is fraudulent information on my credit report that I had no knowledge of it being on my credit report I would like these items to be removed off my credit because its effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My credit cards were wrongfully terminated around XX/XX/11 without any prior notice of improper behavior. All 7 cards were closed, even though some weren't even being used. All rewards were not paid out, and no information regarding the reason was given. Instead, I was told to write a letter to a XXXX XXXX in the middle of nowhere, to which they would respond with a form letter in a month. All reps refused to help, reading a standard text of platitudes. Letters that were vaguely worded arrived a week or so later saying that accounts were closed.

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 2020-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to get a home equity line of credit against my home at XXXX XXXX XXXX, XXXX XXXX, TX XXXX to assist in my down payment on my new home at XXXX XXXX XXXX, XXXX, CA. This method was one that was approved by my soon to be mortgage company. I went through my credit union and was approved for the funds. They got ready to process the paperwork, and found that BBVA compass was still on my loan documents in the 2nd position. My credit union contacted BBVA to ask that they remove this from my account. They refused. I contacted them and they wanted me to state that I still owed this amount. I told them that I did not owe them anything, and that they were supposed to complete paperwork within 30 or 60 days of receiving information from the bankruptcy courts and my bankruptcy attorneys ( I completed the bankruptcy process, and it has been cleared for over 6 years or so, I believe ). Because they did not do so, I no longer had a debt that was owed to BBVA. BBVA also tried to sue me in XXXX, XXXX, and I forwarded those documents to my bankruptcy attorneys, and they contacted BBVA 's attorneys to let them know that they did not complete the required paperwork, and therefore I did not owe them a debt. 

After that, the debt was removed from my credit and it is not shown anywhere. But, they are not removing their names from my mortgage. I almost lost my home in California because I was not able to secure the loan with my credit union. Below,  please find the email that I sent to XXXX Bankruptcy to try to get their assistance again. They no longer have my paperwork, it was turned over to the bankruptcy courts. 



XXXX XXXX XXXX To : XXXX Email, XXXX XX/XX/XXXX at XXXX XXXX  Hello XXXX Bankruptcy, This vendor is resurfacing . They were contacted by your office around the date of the prior email. When my account was dismissed, I was told by XXXX that they did not submit the paperwork needed to show that I still had an outstanding balance and that I owed them the difference. There was a form, but i can not recall what he said it was. He did contact Compass, and I had not heard anything else from them until recently. They are not even showing on any of my credit bureaus. 

I have applied for a loan, and they are on my title, and they are refusing to remove themselves. I feel that this is a violation, and against the law. I would like to have someone send information to them to show that they can not hold my property XXXX for a debt that I do not owe. I am on a tight timeline, and are really needing someone to assist me or direct me. 

They need something sent to XXXX. Or they can be reached at XXXX. 

My case # XXXX I really appreciate your time. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
There have been multiple dates that i can not remember but the last one was on XX/XX/2020. A company named Dynamic Recovery Solutions with the phone number XXXX has contacted me several times asking to verify my personal information regarding personal business related questions but refuses to discuss what the matter is about. They did not even say are attempting to collect a debt or what company they represent. I called the number back to find out what the company name is. With all the phone scamming and spamming out there i refuse to give any personal information out. Also, i checked my credit report and i do not have a Dynamic recovery solutions on the report so i have no idea who this company is and if they actually have any right to contact me about a debt or any other reasons.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Simply can not find anyone in this company who can provide any level of customer service. Sadly, multiple decades of great service with the company that serviced my mortgage - but New Rez took over my mortgage and since then zero meaningful assistance. The worst mortgage company I have ever dealt with and they just appear to make things up as they go. Every time you call it's a different story. They should change their name to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
Hi my husband and I both took out a loan at Empire Finance in XXXX XXXX MO. We got behind on our payments and they started calling our contacts which was fine until my niece called me and let me know that when they contacted her they were sharing how far we where behind, how much we owed, and how much our loans were for. Then a few days later my brother called us with the same information. I don't believe they are allowed to give out our personal information it has caused a lot of embarrassment and awkwardness in our family now. Could please look into this matter and stop this from happing to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
I have an escrow account in my mortgage and Mr. Cooper failed to pay timely. XXXX Property tax were not paid until I received a letter from the County that they were delinquent. It took multiple attempts to get the taxes paid. 

XXXX Property tax have not been paid. I have called multiple times since XX/XX/XXXX to get this resolved. I am worried the same thing will happen that happened last year ... my house was going to be auctioned off due to failure to pay property tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from Equifax which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, XXXX XXXX XXXX. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.

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 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has willfully withheld information regarding my payment history ; and, once the history was finally released, it was inaccurate. This has resulted in my not being able to refinance my mortgage.

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 2020-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
My name is XXXX XXXX Im a XXXX year old, XXXX  female. Im a XXXX XXXX and a XXXX XXXX XXXX. I have been XXXX XXXX as the XXXX XXXX for total of 8 years. For the majority of my career I worked as an XXXX XXXX XXXX and I recently transitioned to XXXX. Im a single mother insult provider of a XXXX-year-old, working full time. In order to become a XXXX XXXX I had to quit my full time job and sign a contract, prior to matriculating at XXXX XXXX University, stating I would not work in order to devote all of my time and energy a 28 month XXXX XXXX XXXX. 
Eight years later, I am now over XXXX dollars in debt while starting around XXXX. I have a credit score of XXXX and was manipulated into re-financing my student loans with MyFedLoan at an interest rate of 7.125 % under the guise that I would be enrolled in the The Public Service Loan Forgiveness ( PSLF ). I was informed one year later that I was NOT enrolled in the program and the hospital I was working for was bought out and no longer considered underserved. I attempted to call the contact whom assisted me in re-financing my loans and guaranteed my acceptance into the public service loan forgiveness program and unable to reach that individual. I called to obtain the recorded conversation from XX/XX/2019 and was told that they no longer keep those records. 
I rent a modest apartment for myself and my son. I receive no assistance from my son 's father, as we are unsure of his location. I drive a modest vehicle ( XXXX ) and we live pay check to pay check. I regret my career choice. I am unable to achieve normal life milestones such as buying home due to my overwhelming and steadily accruing debt. I currently have a loan payment of {$750.00} every month and feel helpless. I NEVER would have consolidated by loans with this company had I not been grossly misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: IL

Complaint narrative:
I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PLS GROUP, INC
State: CA

Complaint narrative:
A payday loan was given to a ex-contractor based on a voided check the contractor provided to the pay day lender, PLS Check Cashers. When they discovered the loan was given on a voided check they sent a collections letter to us. We immediately sent a dispute letter via certified mail and was received by them. However they continue to attempt to collect the debt via phone calls and letters. They have verified the receipt of the dispute letter ( XXXX XXXX verified this on XX/XX/2020 at XXXX XXXX P.S.T. ) but have not responded to it and continue to illegally continue collections efforts.

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 2020-02-19 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: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Mastercard : XX/XX/XXXX : I was scammed into purchasing and sending {$400.00} & {$600.00} to someone I thought was an associate of the state society I am a chair on. When I called the credit card company the first time they took my information and said it would be looked into. 
2 weeks later I called again. This time the person took more details : the police report number, the police man 's name, etc ... and told me that it generally took 30 days to get back to the customer after the investigation. Both of the people who answered the phone were very difficult to understand. The 3rd time I called, Sunday, XX/XX/XXXX was after I received a letter in the mail saying the dispute was closed and it was my responsibility. 
When I called this time after many transfers I spoke with a supervisor located in Florida. She said that as soon as I said the word " Scam '' they did not have to investigate anything. There policy is not to tell the customer that, but send a letter. The 2nd person I spoke to took all the details about my police report for no reason as they investigated nothing. She asked if I wanted the number of another supervisor to call, but if I wanted to dispute their policy I would need to right a letter, I could no longer call. The representatives of this company Citibank , N.A . gave untruthful information to me their customer and were not straightforward or honest with me.

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 2020-02-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a complaint XX/XX/XXXX and Equifax refused to respond saying they couldn't respond because they can't identify me. I need to write to them. I have been writing and emailing and calling. I will not keep doing that. I will add all my identifying information here so I can have proof of the actions that Equifax falls to take. 

My complaint : Back in XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts. 

Equifax generic response : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We have reviewed and considered the information you supplied through the Portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; we have completed our internal investigation, and this complaint is being closed. The results are below : Equifax must obtain proper identification from the consumer before disclosing any information regarding his/her credit file. In order to properly address your concerns and update your credit file, please submit a copy of a utility bill reflecting your current address, a birth certificate along with a social security card showing the social security number to Equifax XXXXffice of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. You may also contact us at XXXX to speak to a Customer Service My identifying information is attached. Now please explain why my credit information was removed. 

Documents address to confirm address and name : NC Government Issued Drivers License with current address Social Security Card XXXX W2 also showing name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, 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 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
* The reporting of a 30 day late payment in XX/XX/2019. 
* Payment was time stamped as verified by Caliber agent on XX/XX/2019. 
* Calibers 's payment system automatically " posted '' the payment for XX/XX/2019. 
* This posting ( not payment ) caused as thirty day late.

Company response to consumer: Closed with explanation