vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX   and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on  debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida. 

Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
On XX/XX/XXXX I received my results from XXXX  about this account from XXXX XXXX XXXX   XXXX it was deleted. Today I received a letter from this lawyers office as well as court papers lawyers name is Berndt & Associates PC. This issue has been resolved I disputed this back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: FL

Complaint narrative:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

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 2018-02-01 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: FL

Complaint narrative:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I tried to make a payment on my XXXX 's credit card balance XX/XX/XXXX ( Due date ), but their system was not working. Finally, I was able to make a payment after a technician took a payment over the phone after the due date. And he confirmed me that they will take care of the the late fee since this is their website issue. 

But I still see a balance on my account and when I tried to solve it over the phone they were not able to solve it, instead they refer me me back ab forth with different agent and several minutes without any issue. 

Even till this day when i tried to see the statement I'm see a black screen with a busy sign ( please see attached )

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 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I got a notification from XXXX XXXX about a hard inquiry on my credit report. I have not authorized any creditors to access my credit history. I believe the inquiry in question was supposed to go on my father 's credit not mine. We share the same first name but that is all. The company in question is XXXX. He applied for a contract with them this week. XXXX assured him that his credit was checked using his social security number. Somehow, it ended up on my Equifax credit report. It has not appeared on XXXX report yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft in XX/XX/2016 and had to dispute all of my accounts on my credit report because I could not identify accounts that were mine. Transunion deleted everything in my credit file. After identifying my accounts I mailed Transunion my identified accounts, account numbers, and balances on accounts, to add to my credit file. 
This was never done by Transunion. I am unable to get a credit score from Transunion. Because of the lack of compliance on Transunion 's part, I am unable to get a mortgage loan, credit, and have correct credit history,

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 2018-02-01 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 have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.

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 2018-02-01 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:
I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.

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 2018-02-01 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: CA

Complaint narrative:
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. 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 2018-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS  GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, & XXXX acct. no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I had two loan accounts with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX P.A. One Loan for $XXXX and the other for $XXXX. Interest rates each loan is 5.875%.6 years later my balances are $XXXX and $XXXX. Total interest paid $XXXX and total principle paid $XXXX.I have paid more in interest than my principal balance. If you do the math that's a 57.55% interest rate not 5.875%. Over the course of their entire repayment plan that they suck you into you pay back $XXXX  just in interest!!!! Out of a loan that was for $XXXX, how is that even legal? This is fraud. It is not 5.875% interest rates. They wont let you make any additional payments, they wont let you change it to the way you want. It is designed for one thing, to make the COMPANY rich of interest that they falsely prey on you.If the interest was actually 5.875% then over the course of repayment it would be $XXXX  and make the total repayment at $XXXX.Please, this company is preying on college students and committing illegal acts on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On or before XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX ( SPS ) numerous requests ( 6-7 ) for information regarding my XXXX parent 's home in an attempt to establish communication regarding loss mitigation possibilities available by law, as a Successor in Interest. It was not until XX/XX/XXXX, after filing a CFPB complaint did SPS respond with a procedure for me to follow to document and verify my status as Successor In Interest. I expeditiously faxed the required documentation as requested the very next day and followed up with SPS via telephone on XX/XX/XXXX. Their response was, " we have no information regarding your request at this time. '' When asked when they would know, they stated we do not know when, call back in a few days to check. Please keep in mind I had already been verified by XXXX as a Successor in Interest prior to XXXX sending my parent 's loan to SPS for servicing. SPS 's response was that I had to start the process all over again. Therefore, this process has been going on for well over six months. SPS 's calculated attempts to impede my lawful rights as a Successor in Interest is suspicion for fraud. As time goes on, their self serving profit generating actions further impede my right to explore loss mitigation options that may allow me to keep my parent 's home and avoid litigation. Therefore, SPS continues to violate the early intervention requirements of the Real Estate Settlement Procedures Act, as well as other laws enacted to protect the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: FL

Complaint narrative:
I sent a letter to Todd, Bremer & Lawson, Inc. requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Senex Services Corp.
State: NJ

Complaint narrative:
The collection account was deleted off of my XXXX  and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.

Company response to consumer: Closed with explanation