vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: VA

Complaint narrative:
Equifax, XXXX  and XXXX  has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my Equifax report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: NM

Complaint narrative:
On XX/XX/XXXX I accessed my free annual credit report and discovered that Equifax was reporting an auto loan that my husband and I have with XXXX XXXX XXXX XXXX XXXX ( XXXX ) as CLOSED with last payment XX/XX/XXXX. This account is currently open, with an excellent payment history, last payment XX/XX/XXXX. I filed an online dispute with Equifax on XX/XX/XXXX and on XX/XX/XXXX I received a communication from Equifax in the mail dated XX/XX/XXXX confirmation # XXXX ( copy attached ). This communication stated that a reinvestigation of the XXXX account was researched and the creditor verified the information in the communication which included no account balance and last payment date of XX/XX/XXXX. 

On XX/XX/XXXX I spoke with XXXX in Member Services and XXXX in Special Accounts at XXXX ( XXXX ). In response to my dispute with Equifax, on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX XXXX provided Equifax with documentation that the auto loan remained OPEN, in good standing with current monthly payments. It is noteworthy that for 84 months XXXX XXXX XXXX XXXX XXXX has provided Equifax with documentation of an open account in good standing, current monthly payments and balance information and Equifax has failed to report this information since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I provided XXXX insurance at time of service on both accounts. After receiving multiple voicemails and letters I found out the facility never billed XXXX and disputed the charges with the collection agency. They failed to show my dispute with the credit bureau or to bill insurance now

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 2020-01-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
These are charges that were fraudulent and citibank investigators concluded that I'm responsible for the charges. 
I notified Citi in XXXX and clearly stated that I did not make those charges in XXXX Georgia and purchase New York. 

XX/XX/2019 XXXXXXXX XXXX XXXX XXXX NY {$10.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX  XXXX NY {$43.00} XX/XX/2019 XXXX   XXXX  XXXX GA {$66.00} XX/XX/2019 XXXX XXXX XXXX XXXX GA {$640.00} XX/XX/2019 XXXX # XXXX XXXX GA {$750.00} End of activity Total activity Statement closed XX/XX/2019 {$1500.00} {$1500.00}

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 monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Set monthly payment up on bi-weekly for {$650.00} and after the first of the year my escrow amount increased. Instead of the company notifying me of the increase of escrow and change in payment, they automatically changed the payment amount drafted out of my checking account. I already paid an extra {$20.00} towards principal each payment and they increased the amount withdrawn out of my account anyways. It should be against the law for them to change the amount drafted without getting permission from the account holder first. Thank you for your help with this.

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 2020-01-25 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: NJ

Complaint narrative:
The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from 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 explanation
Consumer complaint received 2020-01-25 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: LEXISNEXIS
State: NC

Complaint narrative:
Lexus Nexus Consumer Center stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
opened checking account XXXX using code XXXX  for promotional {$300.00} sign-up bonus, didn't receive.

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 monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC

Complaint narrative:
Fifth/Third bank purchased my mortgage from another bank. I would have never sought a mortgage from them because I have never heard great things about this bank, but here I was, in business with them. From the onset I had issues with them and their lack of communication. But all heck broke loose when I received a letter from them telling me they were raising my mortgage payment by {$1000.00}. I have a conventional mortgage with a fixed rate. I live in DC where I pay about {$6000.00} in taxes per year and a little over {$1000.00} in home insurance. I purchased my home in XXXX and had several thousand dollars in surplus ( credit ) with DC tax and revenue. For the following 2 plus years or so after I pu8rchased my home DC just debited that surplus to pay my tax bill. My escrow paid XXXX in taxes. When all but {$1500.00} was paid, as the surplus was exhausted, DC submitted a tax bill for that amount to Fifth/Third bank. They paid it. Then, their incompetent team estimated the escrow needed for the following year and used the {$1500.00} ( from above ) to estimate what they would need to collect from escrow for the following year, underestimating my escrow. In XXXX of last year, I received a letter telling me that my mortgage would be going up by {$1000.00} because escrow would not be able to cover the tax bill for XXXX. So in essence, they are collecting {$13000.00} more to pay about {$7000.00} in taxes and insurance for the year XXXX. How does this make any sense? I have written letter after letter asking for a break down of my escrow as well as proof that they paid my taxes during the surplus years as they are telling me - nothing. I spoke with DC  so I know they did not. What they tell me is they can not help me in writing but I am free to call their bank to speak with someone. I tried. Nobody knows anything, specifically what happened, can't provide me with any useful information and just wastes my time. I work, I have a little boy at home. I don't have time to wait on the phone during working hours and they close at XXXX, they tell me. I can't afford a {$1000.00} increase in my mortgage. I have been paying that increase since XXXX of XXXX but I don't know how long it will be before I default on my mortgage due to this incompetence. I just don't know what to do. Who are these people responsible to?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a mailer attached a extra {$50.00} into my account in XX/XX/2019. I have yet to receive this. I completed direct deposit requirement and still has not been paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX stated that they can verify their information. I request their information method of verification. The use of the last four of ones social security number is not a method of 100 % verification. It is Not my responsibility to to confirm their information to them. Please confirm you information to be true.

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 2020-01-25 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: NJ

Complaint narrative:
The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: DriveTime
State: CA

Complaint narrative:
I have an inquiry on my credit report that I did not authorize. 

DT CREDIT Auto Financing Companies Inquiry date : XX/XX/2019 XX/XX/2019

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 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I was notified via text message that my Bank of America debit card had been compromised and charges were made on my account for {$550.00} in online purchases. When I went onto my online banking app right away, I learned that two checks - one for {$1100.00} and one for {$940.00} were cashed in my name. A few days later on XX/XX/XXXX I was notified by BOA that two payroll checks for businesses in PA and MO were cashed in my name - those two checks totaled {$3800.00}. 

The first two checks were cashed at a Bank of America, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Missouri. The person who cashed these checks made a fake copy of my license. I was told by Bank of America. 

I was credited the {$550.00} in debit purchases, but Bank of America refuses to give me that money, as they say that my account is still {$3000.00} in the negative. My account is in the negative because my identity was stolen, by someone that clearly is not me. My husband also mistakenly transferred money to my frozen account ( to help me pay bills ) and BOA refuses to give me that as well, as the account is frozen. 

I have filed a police report, as well as reported by identity theft to the FTC. My FTC Ref No is 1XXXX. The police report number is XXXX Bank of America has not given me any updates and only says that are " investigating ''.

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 monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I HAVE NEVER HAD ANY ASSISTANCE OR HELP FROM CARRINGTON. I TRIED TO GET HELP BECAUSE I UNFORTUNATELY FELL BEHIND ON MORTGAGE DUE TO MY BABY GETTING SICK AND INCOME LOSS. 

I HAVE XXXX CHILDREN THAT I NEED TO HELP KEEP A ROOF OVER THEIR HEAD AND ALL THAT I AM ASKING IS FOR ONE CHANCE TO SAVE MY HOME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed items with on my credit report that are still in pending states 60-days later. Equifax 's confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have had a mortgage with OCWEN for the past ten years. I have had multiple problems with them as they constantly lie and destroy documents. They placed lender insurance once on me charging me XXXX XXXX of dollars in unnecessary additional insurance. I was able to solve the problem once a class action was started against them. Two months ago they suddenly reported me to the credit reporting agency saying that I had missed two payments. I disputed it stating that I was current. They stated that when my loan was transferred from OCWEN to PHH the loan was two months short and that when they audited my account in XX/XX/2019after they acquired the loan. First of all my loan was never transferred to anybody, as OCWEN bought PHH and just changed their name. They are the same company and they have all the records. They sent me a written report which shows that I paid every month, but they claim that regardless of their own report I needed to produce receipts of XXXX and XX/XX/2019 ( 12 months later ) to prove I paid in those months. It looks like they have made a mistake and they refuse to acknowledge such mistake. Since their processing is done abroad in countries where acknowledging a mistake is considered a sin, I believe that somebody has made a mistake and they can not admit they are wrong. 4 years ago an OCWEN insurance processing center in XXXX refused to acknowledge that I had an escrow account with Ocwen, when all the documents proved that I had. It took me then three months to straighten the mess by involving a US based loan manager which launched an internal investigation from the US headquarters into the XXXX office. US borrowers are paying a hefty price for Ocwen 's outsourcing their record keeping to countries where there is no understanding of basic accounting and where they are unable to read documents in XXXX due to their poor knowledge of the language. 
I was able to locate the XXXX receipt from my bank statements, but I can not locate my XXXX receipt because my husband changed its bank and did not keep the paper statement as they were all online. That notwithstanding, their own statement shows that a payment was entered in XXXX and credited it accordingly. This matter came about only in the Fall after my loan was " transferred '' to PHH.

OCWEN has a pattern of falsifying documents in order to defraud customers.They are now using the " transfer '' excuse to claim missing payments when there are none.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I am a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting  the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please delete/remove the following unverified accounts CREDENCE RESOURCE MANAGEMENT # XXXX, CREDENCE RESOURCE MANAGEMENT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXS # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over thirteen thousand dollars on a credit card that I did not authorize an application for and that I do not have.

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 2020-01-25 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: VA

Complaint narrative:
XXXX, Transunion and XXXX has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  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 explanation
Consumer complaint received 2020-01-25 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: VA

Complaint narrative:
XXXX, XXXX and Experian has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  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
Consumer complaint received 2020-01-25 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:
I submitted an identity theft affidavit, police report, detailed explanation of account, and Equifax rejected my documents. Instead of suppressing information and notifying the companies listed on the dispute, Equifax went through its normal 30-day dispute process and rejected my document.

In one breath, Equifax states it is unable to locate my file on XXXX. How is that when I have a 53-page fax  confirmation dated XX/XX/2020, in which my Driver 's License, social security card, and utility bill was included. In the next breath, Equifax conf # XXXX rejected my affidavit stated it would not suppressed the identified information, but run its normal 30-day dispute process. 

After speaking with a XXXX supervisor, she informed me that I hadn't completely filled out my 1st and 2nd request. I contacted CFPB via chat to try to gain access to my original file and because I didn't create a login from the temporary password my original affidavit was gone. 

Because of that conversation with the XXXX  supervisor, I decided to update created an updated identity theft report and resend it to all bureaus. I have requested from original creditors and credit bureaus detailed statements, invoices, receipts, and payments so I may determine which activity was actually mine and which was not mine. Equifax has not taken into consideration any documentation that I have provided to them. They are only going by E-OSCAR codes received from the creditors. Even in its own reinvestigation process, Equifax is not doing anything independently. They are simply taking the creditor 's E-OSCAR codes as gospel. 

It appears that Equifax has no consideration for FCRA and has violated it on several occasions. This company continues to prolong my investigations into fraudulent activity by stating it can not locate my file, but again deny to suppress the same file.

Company response to consumer: Closed with non-monetary relief