vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I have a medical debt reporting on my credit that I have no knowledge of. I have never had services done with this facility nor have I authorized anyone else to do so. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
Because I was a victim of identity theft, I visited the FTC website for assistance, did some research and also consulted with a trusted friend. I followed all their advice which included contacting the proper agencies ( courthouse, XXXX, FTC ) before reaching out to the credit bureaus. I filed an identity theft report, filed a police report, froze my credit bureau accounts, and reached out the the data furnishers providing the negative information. I then provided all this information to the credit bureaus. But after several attempts, I have not been able to remove the errors on my report. The bankruptcies are still reporting even though the courthouse states that they do not provide this information to credit bureaus. And I could not verify that information through the courthouse either. I am not sure why 2 bankruptcies that are not mine are still reporting on my credit. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
with a real financial hardship, we request that some relief be given to us in the form of a principal reduction as with great sacrifice we managed to pay principal bearing interest in its totality and a large sum of remainder deferred amount amount. 
With the real hardship faced in our situations Ocwen has had the advantage of acquiring most of the loan amount on this loan within a couple of years only with a great sacrifice and money sent was to be applied to principal not for any reduction whatsoever. 

we therefore request consideration be taken for requested reduction be provided. 
i understand there are provisions made for situation such as ours for a principal reduction specially when we have met more than the expected. 
Please note both my wife and I are now totally XXXX and are under continued treatment and under home care. 
Every month I send my entire social security Check to Ocwen to cover monthly payment thus depriving us from any means to provide for expenses including provision for food. 

I hope a reduction can be achieved in our dire situation. thank you. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I purchased ( 2 ) tickets in the amount of {$450.00} from a XXXX user. I sent the money through my bank, Wells Fargo using the pay app XXXX to user XXXX. The user sent me a confirmation screen shot of the payment to XXXX XXXX account number ending in XXXX. I was told the tickets would be in my XXXX account on Thursday XX/XX/2019. On the morning of the XX/XX/XXXX I was messaged from XXXX under phone number XXXX to let her know when the tickets were in my account. I waited all day and when I got home from work I began messaging XXXX to say they are not in my account. XXXX again said she was going to call the XXXX XXXX XXXX XXXX XXXX she then stated that nobody was answering the phone and that I could try calling. The time now was after XXXX XXXX and the ticket office was closed. XXXX stated that if they had not transferred by Friday XX/XX/XXXX to call her and that she would refund my money. I called the XXXX XXXX XXXX XXXX at XXXX on Friday XX/XX/XXXX to see if there were any tickets being transferred to my email of XXXX and the agent stated that there was nothing transferred or pending for that email account. I then reached out to XXXX again at XXXX via text and call and there was no response. I called my bank ( Wells Fargo ) that evening and was told that there was nothing they could do and to try to reach out to the seller. I emailed XXXX XXXX customer support to find out anything and to see if my money could be returned and that went without answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have a debt collection matter involving phone services that I have never used. The reporting of this account is inaccurate. This account appears to be frivolous and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
I received an escrow analysis several months ago that is incorrect and after going through the channels by sending three emails and two letters, one to the escrow department, I can not get anyone to correct it. My payment went up by almost {$100.00} because of this error. I was very specific on where their error occurred and received no satisfaction here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I cancelled my XXXX XXXX Membership on XXXX I have been charged {$10.00} XX/XX/2019 to present since I cancelled and additional {$30.00} in XXXX totaling {$120.00}. I originally disputed the charges on line with chase. Eventually they were reverse and I continues to be charged. When I filled the original disputes I told them I had canceled and could provide documentation. I had documented that I expect them to refuse any further charges from XXXX XXXX XXXX. Then I notice I was still being charged on my AMAZON CHASE card for XXXX XXXX XXXX. I called this time they said no problem they would take care of it. Again some time goes by and I am still being charged by XXXX XXXX XXXX. I call and now they are saying they can not dispute all the charges because it past a certain time limit. That's crazy I was very specific when I said not to except any charges from XXXX XXXX XXXX. I have stated this from day one! I go to XXXX XXXX with my documentation and the managers tells me non of the employee that I have spoken to in the past work there. She said she has to fill another cancellation form. What? Said that is the only way to cancel it. I feel that CHASE has acted irresponsibly, I told them this membership has been cancelled on more than one occasion and told them not to except anymore charges form them. XXXX XXXX  XXXX is a scam with there billing practices ... .There is no one you can talk to to get dispute settled. I have documentatuion!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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:
THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE, THOSE ACCOUNTS ARE REPORTING INACCURATE INFORMATION ON MY REPORT AND I WOULD LIKE FOR THOSE DEROGATORIES TO BE REMOVE. PLEASE RE-INVESTIGATE THIS MATTER AND UPDATE MY CREDIT FILE WITH THE CORECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX, At XXXX XXXX, I purchased a XXXX XXXX XXXX for {$13000.00}. My trade in was rolled over {$6200.00} into new loan for a total of {$19000.00} sales price. 
{$13000.00} x 8.05 % sales tax ( XXXX my zip code ) is {$1000.00}. I was charged on my loan contract {$1100.00}. Difference {$120.00} due to me over 3 months ago. Keep in mind I have to pay interest on this. 
XXXX XXXX can not charge me sales tax on my rolled over inequity {$6200.00} into my new car loan. 
Dealer inflating price of XXXX XXXX XXXX-sales tax and {$6200.00} roll over. Dealer gave me - {$600.00} for my trade in XXXX XXXX XXXX XXXX  ( XXXX   battery died on XX/XX/XXXX. I am out the value of my trade in. 
Did XXXX XXXX overcharge me for my used XXXX XXXX XXXX? From {$13000.00} to {$19000.00}? Can they dealer that? Now I am paying interest on interest. This seems illegal. 
XXXX XXXX charged me ssales tax interest on - {$600.00} too! = {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: Innovis
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I requested that Equifax block information which was reporting on my credit report as a result of identity theft, pursuant to 605B of the Fair Credit Reporting Act. 

I provided a valid identity theft report from a Police Department which listed the account in question, a copy of my identification and a request to block the account. The account had already been appropriately blocked by the other two credit bureaus, Transunion and Experian. 

Equifax failed to block the account. Equifax failed to respond to my calls and written communications. Instead, on XX/XX/2019, within 48 hours of the request, Equifax sent me a form letter which stated that it " is not blocking the information '' pursuant to section 605B ( c ). '' Equifax failed to provide any facts whatsoever or explain how the basis for its determination, within 48 hours, that : " ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. '' Instead, Equifax urged me to " contact the source '' directly, file a CFPB complaint, or " obtain documentation from creditors showing an account does not belong to you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
I have disputed unverified information on my Equifax credit report more than once. Equifax claims they can not find my credit file after sending the necessary documents they have asked for. The first dispute was sent to Equifax on XX/XX/2019 asking them to verify the accounts in the amounts of {$5400.00}, {$460.00}, {$470.00}, {$450.00}, {$400.00}, {$960.00}, {$860.00}, {$2000.00}, {$1400.00}, {$1000.00}, and {$200.00}. The second dispute was sent to Equifax on XX/XX/2019 with the same accounts, and amounts. After Equifax received my disputes they still claim that they can not find my credit file after I sent them the necessary documentation again notarized. They have failed to verify these accounts in the proper manner which they have to according to the Federal Law. They have failed to send the contracts with my signatures, or any audio/ video that proves this information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
To whom it XXXX concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 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: CORELOGIC INC
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
On XX/XX/2019, I applied for a loan with Lendmark Financial in XXXX NC. Location address : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  NC XXXX. During the loan application process, Predatory Lending was exhibited by the Store Manager. He failed to review the APY ( Annual Percentage Yield ) and added on services without approval. The loan was paid off on XX/XX/2019, there was a credit due back to me and the Store Manager advised the refund check was mailed on XX/XX/2019. However, after waiting 2 weeks I went to the location and they had only mailed out the check on XX/XX/2019. Even though they knew I was entitled to the refund, they refused to provide it to me in a timely manner. I know this is in violation of the Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My home is set for foreclosure on XX/XX/2020. The foreclosing Servicer is Select Portfolio Servicing. I had sent them a Qualified Written Request disputing some information concerning the loan as well as the foreclosure process as well as some further information on the payoff amount I requested. It seems that some previous forbearance and modification payments had been put in holding accounts and not processed towards the the Principle and interest ion the loan. 
In a response letter to me they requested that i deal only with the foreclosing Lawyer, XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX he informed me that they have nothing to do with the requests made and that they have no ability to address them. They only deal strictly with the foreclosure process. They informed me that only Select Portfolio would have to address these issues and they have not. 
So now I am stuck between a Servicer who won't answer my questions and refers me to the lawyer, and a lawyer who says it's not his job to answer questions about the loan, leaving without anybody to get answers from. 
My requests to Select Portfolio were for mediation to be held on this loan so that we may be able to meet face to face and possibly come up with a solution the issue. 
Are quest for proof that the foreclosure sale was posted in a timely manor to the XXXX county ga. legal sections. 
As well as a dispute as to why a modification was denied. 

Attached is the letter i got in response to my requests referring me directly to the foreclosing lawyer instead of answering my direct requests. 

I request that the XX/XX/2020 foreclosure date be postponed until this is settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation