vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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/2019 to June/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letter that was certified mailed to them. The notarized signatures that goes with Id theft claim to XXXX XXXX that was upon requested. I have not received any feed back on the verifiable Id theft claim that was sent to XXXX XXXX notarized and certified mailed. In addition to that, XXXX XXXX have not responded to any of my written validation letters. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My fraud Identity. is not taking into a removal or into consideration. Additional to that, Equifax has not respectfully take my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Equifax is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have remove the items off my credit report. Accept Equifax and the other credit bureaus on XXXX/2019 communicated with Equifax that I am a victim of Identity Theft and Equifax has not take my case into consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
CBJ Credit Recovery has been paid in full several months ago but it still shows I owe them money on XXXX report

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These account don't belong to me and or I never made late payments on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TN

Complaint narrative:
These account don't belong to me and or I never made late payments on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: EQUIFAX, INC.
State: MN

Complaint narrative:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the account XXXX XXXX XXXX XXXX - REPORTED TWICE ON MY EQUIFAX CREDIT REPORT,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: CL Holdings LLC
State: CA

Complaint narrative:
This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to Jefferson capital system. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. Jeffcapsystem bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
JeffERSON capITAL system {$790.00} I contacted XXXX but they keep saying there is a glitch, or an error on file. They can't remove it they say. XXXX is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: NV

Complaint narrative:
I sent an initial request to Experian on XX/XX/XXXX asking for validation of the Chapter XXXX Bankruptcy  that was being reported. I received a response back from Experian stating that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute '' Experian goes on to say to say to contact XXXX XXXX the third party who verified this information. The issue with this is under the FCRA the CRA is supposed to not only verify with the original creditor being the Bankruptcy Court but also have and supply me with the original documents since they have verified. They used a third party XXXX XXXX to verify a Bankruptcy who is not the originator of the debt. 

More so Experian unfortunately told a complete lie on their verification methods. I suppressed the XXXX XXXX file on XX/XX/XXXX also requested my report. If the file was suppressed how was Experian able to obtain verification also on my XXXX XXXX file dated XX/XX/XXXX under Banko Consumer Disclosure Report there's a section for specially used for Bankruptcy. This section says " No records found ''. 

So again, How was this information verified? 

Also the late payments on the two accounts, this is my SECOND request asking for verification as how Experian verified those as well. I received my balance history and NOT any documents showing where my payments were paid late and also the late payments were changed around on the account with no explanation.

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 2019-06-25 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: MN

Complaint narrative:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: NY

Complaint narrative:
This bank charged me a maintenance fee and refuses to waive it as a courtesy not fair Im a loyal customer also I called customer service because I saw an add that they will issue contactless debit card with tap technology and asked when it would be available she said she dont know how can you not know

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I bought a 2017 XXXX XXXX  in XXXX of XXXX. It was in a car wreck on XX/XX/XXXX and the car ended up being told out. My insurance payday loan someone money for the damages and for it totaled. I had gap insurance to cover the rest of the payment that would have been left over that my insurance did not pay. They are still calling me for money. They are on three all three credit bureaus and say I owe XXXX and something on dollars when I know for sure that this was taken care of and paid off. I had gap insurance for the remaining balance that my insurance company did not pay. They continue to call me and harass me on a daily basis. I would like this removed as soon as possible. As for I no longer owe this debt.Please fix immediately. I would really appreciate it. 
Thanks 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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: UT

Complaint narrative:
In XXXX of XXXX I closed on a construction loan to build my home. I am a builder by profession and built this home for my personal use. The construction loan was a 5-year ARM in the amount of {$410000.00}, intended to be modified to a conventional 30-year mortgage at the end of one year. The appraised value to the property and proposed structure at that time was {$470000.00}. I put down approximate {$40000.00} in cash. Construction of the home was completed in XXXX of XXXX. In XXXX of XXXX the loan was modified to a 30-year loan in the amount of {$390000.00} ( I didn't use the full amount ). The servicing was then transferred to XXXX. 

In XXXX of XXXX, knowing that my principle balance was approaching 80 % LTV I contacted XXXX to request what date the PMI would automatically terminate. They responded in an official email that date to be XXXX of XXXX. 

XXXX then transferred the servicing of my mortgage to PHH Mortgage. I contacted PHH in XXXX of XXXX to confirm cancellation of my PMI on the aforementioned date. After much waiting and following up they told me my PMI would not be cancelled unless I went through the process of obtaining an appraisal or sending in a principle reduction payment of nearly {$50000.00}. After lengthy inquiry I was informed that the value of my home was assessed as the amount of the modified principle balance at the time of the mortgage being modified to a 30-year term ( {$390000.00} ).  Because the home was constructed for myself there was no sales price, therefore they arbitrarily took the mortgage amount as the value instead of the appraised value. 

I do not know why PHH insists on the value of my home being the original loan amount. I strongly disagree with their position as to the value of my property. A recent appraisal obtained for other purposes indicates the property is now worth {$530000.00}. Unless PHH is in possession of documents I do not have, I can find nowhere in my original closing documents or modification documents that indicate the change in value. 

Further, in response to my inquiry as to why PHH is not honoring the date given by XXXX, they point to a statement in the email sent by XXXX that if a modification happens the termination date will be recalculated. However, the modification occurred with the local bank in XXXX before the loan was ever sold or servicing transferred to XXXX or XXXX. And the letter from XXXX was in XXXX of XXXX. They point retroactively to that modification as to why they will not terminate PMI. I find this explanation fraudulent and deceptive in nature, hence my appeal to the CFPB for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I called my bank to ask them when would contactless debit card be available they said they dont know when online it says coming soon

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called my bank for my debit card to ask them customer service was rude to me I wanted to know when my card will be contactless with tap feature they were rude and hung up on me and didnt provide a response not nice I want contactless so when you make a purchase you tap instead of inserting the chip but they dont understand or know what this is when other banks already have this technology

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: Credit Plus Inc
State: IL

Complaint narrative:
I sent a 1st letter to CREDIT PLUS dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), to provide me a verification letter showing that I have authorized this hard inquiry and CREDIT PLUS have not validated my request. 

Therefore, I sent a 2nd and final letter dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), requesting them to provide me proof of authorization with my signature requesting a hard inquiry dated on XX/XX/XXXX. They continue ignoring the request. 

I indicated they need to pay me {$1000.00} for not validating my request based on the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified Consultants did not verify a debt and has violated my rights. They removed the debt from the three credit bureaus and then after a few months added it back on XXXX without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX, I signed a mortgage agreement with XXXX XXXX XXXX XXXX XXXX for {$54000.00} for my home. Servicing was transferred to Saxon before the first payment was due, and some years later servicing was transferred again to Ocwen Loan Servicing, L.L.C. Since then, there have been two modifications to the original loan. After fourteen years, with  additional charges and fees rolled in, I now owe almost {$10000.00} more than the original loan. On XX/XX/XXXX I received a foreclosure summons from XXXX XXXX XXXX. Approximately one month prior, I received notification from Ocwen that the loan had again been transferred to another servicer ; but I have not had any contact with them at all.Even though I owe more than the original loan and the property is appraised at {$49000.00}, it is still my desire to keep my home. I'm XXXX years old, not in the best of health, but still working full-time. We're trying to find help, but have had no success so far. I just want to live out whatever time I have left in peace, but this whole thing has become a convoluted nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested TransUnion to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by XXXX. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, TransUnion again informed me the information was confirmed by XXXX. My information was suppressed from XXXX XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested TransUnion to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX XXXX is the bank with permission to pull my credit.

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 2019-06-25 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: CORELOGIC INC
State: IL

Complaint narrative:
I sent a letter to CREDCO dated XX/XX/XXXX that my credit reporting shows two inquiry from CREDCO. They have pulled my credit twice and I don't have any business with them. 

The 2 hard inquiries was apparently made on XX/XX/XXXX and XX/XX/XXXX. I requested to validate and show me who authorized those inquiries. They keep ignoring my request to validate. I need for them to remove ALL from the credit bureaus.

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 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am very disappointed on the development of how credit bureaus fix my credit report. It's as if nothing has changed..I know I don't deserve this erroneous information you are placing on my credit report..I have always been responsible with my payments, no late on XXXX XXXX XXXX, CFPB step up and fix this account

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 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: CA

Complaint narrative:
My credit report has some collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is the originator and the debt collector is CBC collection agency. I spoke to the originator XXXX XXXX XXXX XXXX in TN they realized they had the wrong patient information. I live in CA and this hospital in TN, I have never had any contact with that place. They advised me the patient has the same name as me but no social and they agreed it is not mine. There are 3 reporting things from this place. I first called them XX/XX/2019 spoke to XXXX in TN then to XXXX. They said they would remove this and sent me an email but nothing has happened yet. The collection agency has not remove this. This debt is not mine ive never been to that hospital or had services. 
CBC, LLC {$16000.00} CBC, LLC {$630.00} CBC, LLC {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/XXXX I requested XXXX  to correct personal details on my credit file. I provided copies of documents to verify my identification. My information is yet to be corrected. On XX/XX/XXXX, I requested verification of a public record, Bankruptcy on my credit report. I was informed by the credit bureau the information was confirmed by LexisNexis. I again in XX/XX/XXXX requested verification of the public record. On XX/XX/XXXX, XXXX again informed me the information was confirmed by LexisNexis. My information was suppressed from LexisNexis XX/XX/XXXX. I purchased a vehicle in XX/XX/XXXX. My loan was approved by XXXX XXXX before I went to the dealership. I information the dealership of this and demanded them not to submit my application to other lenders. I requested XXXX  to remove all of the inquiries. The dealership can not provide documents bearing my signature to submit my application to additional lenders. I did not authorize this. XXXX  XXXX is the bank with permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/XXXX ) 3 ) XXXX  XXXX ( XX/XX/XXXX ) 4 ) XXXX/ XXXX ( XX/XX/XXXX ) 5 ) XXXX / XXXX ( XX/XX/XXXX ) 6 ) XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/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