vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: CO

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrectly a balance of {$130000.00} to XXXX  and Transunion on the XXXXXXXX XXXX XXXX  partial account number XXXX, as well as the account being reported as ( 120 ) days past due. The balance reporting is completely false. ( Please see page attached from my credit report as well as the statement dated XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer can be reporting and therefore it needs to be removed from my credit report. XXXX  has removed this line item and I respectfully request that XXXX  and Transunion remove this line item as well. It is a violation of the Fair Credit Reporting Act to continue to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful. This incorrect reporting is seriously harming my credit score.

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 2020-03-03 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: NY

Complaint narrative:
Not my accounts or inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: NY

Complaint narrative:
Not my accounts or inquires

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
For the past 3 plus years Ocwen Mortgage has fraudently been reporting that I have been late numerous times which is inaccurate and untrue. 
Although I have sent them numerous correspondences alerting to them that the information was inaccurate and untrue even providing proof such as canceled checks etc. They and their subsidiary company PHH Mortgage has continued to report this derogatory and inaccurate information on my credit reports. 

The only response from Ocwen And PHH Mortgage has been dunning letters and informing me that I am past due and adding excessive late fees. 
I have disputed this inaccurate information with all three credit bureaus but Ocwen and PHH continue to verify and falsely report this inaccurate information. 

I had a previous lawsuit with Ocwen Mortgage which was settled out of court several years ago and they agreed to remove this false information but have failed to do so. 
Ocwen turned over this false information to PHH which continues to report this false inaccurate and damaging information. 
Ocwen and PHH have been willingfuly withholding my payments and returning them to me after a 30 day period just so they can charge excessive late fees and illegaly foreclose on my home which I have been able to stop everytime they have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: NY

Complaint narrative:
The listed items on Ftc report are not my items

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 2020-03-03 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: IN

Complaint narrative:
On XX/XX/XXXX of this year I sent via certified mail a request to verify information on my credit report to both Experian and XXXX credit reporting agencies. As of XX/XX/20 I have yet to hear of their investigation results. On XX/XX/20 I initiated a formal complaint that was also sent to each of these companies to " validate '' my information listed on my credit with the original furnisher. I have enclosed a response from the US Bankruptcy Court indicating that they do not furnish any information to the credit bureaus. Further, I have requested that they ( Experian and XXXX ) provide all public information that they have reported on my credit report. If they are unable to validate the information that they have reported on my credit report then I am asking that they immediately remove the bankruptcy listing that is listed incorrectly listed on my credit report. I have enclosed my correspondence to the bureaus and the correspondence from the US Bankruptcy Court to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: NY

Complaint narrative:
The listed items on Ftc report are not my items

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: NY

Complaint narrative:
The listed items on Ftc report are not my items

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 2020-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear sir, Reference my complaint no.XXXX dated XXXX against Chase Bank XXXX The bank had then submitted their reply which was vague and unsatisfactory. The bank used wrong account number to deceive and misguide so they can not be held responsible for releasing my inherited fund. They made it spiral and the report they had submitted was not accurate but flimsy. I had a time period of 30 days to submit my feedback but I did not submit any feed back and waited in the hope that the bank perhaps resubmit their clear report on my fund complaint. Eventually the time period of 30 days was passed but I did not see any changed report from them in the account. Some seven or eight months ago the Chase bank contacted me on my email saying that they could not come up with accurate and genuine position of my fund account because the bank had not get the fund register with the Federal Reserve so they wanted to send me my fund through a diplomatic means. I objected on this option and reiterated to let me have access my inherited fund account after activating which would have become dormant but they did not agree and again said to send XXXX dollar for a new account in my name to operate my inherited fund. 

I have all the documents and Chase Bank account statement when you will ask I will produce before you. My fund account statement bearing the account number was not mentioned in the report they had submitted to you. I have been since making request to the bank and to their CEO and Executive office. I am sorry to say that their Executive office have so far been negative and uncooperative and very active harassing me by far. 

I would very humbly request you to kindly intervene the matter again helping me to get access to my fund {$9.00} XXXX. 

Thank you very much in anticipation. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, I think Simple Bank is discriminating based on the customers country of origin. I applied for a checking account on Simple Online Banking website. ( https : //www.simple.com ) I got denied and was provided no reason for the denial. I have a perfect credit score ( 800+ ), a relatively high income, a valid name, address and social security number. I don't see any reason why would a financial institution deny a checking account application for someone like other than the fact that I'm not US citizen.

In the application, they asked if I'm a US citizen, I said no. Then they asked which country I a citizen of, then they asked if I'm a resident alien ( Permanent Resident ) and I said yes. I know for fact that discrimination based on country of origin is illegal and should not be tolerated My partner with similar credit score and salary as me, who is a US citizen applied a few days before me and she got approved immediately. 

I would appreciate it if you could follow up on this so this doesn't happen again to another customer. 

Company 's Name : Simple Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX https : //www.simple.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: NY

Complaint narrative:
I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my 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 2020-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been trying to resolve my private student loan debt with Sallie Mae, now Navient, for 10 years. They refuse to work with me to lower my payments. It is a CONSTANT, nonstop harassment on their part to try to get me to pay $ XXXXmonth which I CAN NOT afford. I just had a XXXX  and had to take 4 months of unpaid FMLA time off of work. They straight up REFUSED to work with me in any way when I called to ask about temporarily suspending payments while I was recovering from having my XXXX. I called several times leading up to my XXXX to ask about my options because I do want to pay back my loans and they offered me no empathy or options. I became very frustrated with the entire situation and told them to just cancel my payment plan of $ XXXX month. That is the absolute lowest they would go, by the way. I work part time and make very little money and they really don't care. They are a predatory company who does not care about helping anyone out, all they care about is money and harassing good people who have fallen on hard times. They usually call my cell phone between 10-15 times A DAY. Not only was that bad enough, TODAY they SOMEHOW got my brother in laws phone number and called his cell phone. They asked for my mother in law by name and said they were trying to get in contact with me. My mother in law was very worried about how they got her information as was my brother in law. This is completely out of line. They are NOT cosigners on any of my loans, they have ZERO involvement with any of my student loans, private or federal. This is outrageous and predatory and I will not accept it. Something needs to be done about this and I need some help. I am at my wits end. I have often considered filing bankruptcy, hiring a lawyer and suing the company and this had led me to a severe XXXX and even at times XXXX  thoughts. My credit is ruined, my co-signers credit is ruined, and they remind of that fact every day. I have thought it would be better for me just do XXXX  so I don't have to deal with this stress in my life anymore. And I have TRIED FOR 10 YEARS TO RESOLVE THIS ISSUE. They ALWAYS refuse to work with me about lowering my payments. I have been screaming out for help for 10 years and no one has helped me. I am tired of suffering like this. I need some help. This complaint needs to lead to changes at Navient and how they handle their customer service. It HAS TO CHANGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I am a severely XXXX Veteran with a VA mortgage with Flagstar Bank. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by Flagstars insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted Flagstar and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking Flagstar staff how the loan would be reported if we were approved for a loss mitigation plan and were told that Flagstar would report that we were in a payment plan due to a disaster, but once the plan was in place Flagstar has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted Flagstar multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

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 2020-03-03 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: FL

Complaint narrative:
Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, XXXX  and TransUnion. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2020-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. Experian, XXXX  and XXXX. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
My credit rating is over 782 with XXXX. XXXX, XXXX, and XXXX XXXX all say in individual reports is good. However XXXX rejects for credit card cant tell you why they blame XXXX XXXX   have to wait for letter. Get the letter XXXX blames Sagestream they says XXXX. 

Sagestream doesn't return calls or emails been calling since XX/XX/XXXX. 

XXXX and XXXX just blame SageStream If you look online and search Sagestream there are hundreds of complaints saying Sage stream reports low credit scores so lenders can charge higher rates. That appears to be true. I don't need or want the card now. However if they report out XXXX on someone with XXXX imagine what they do someone with average credit. This appears to be fraudulent behavior by XXXX XXXX  and Sagestream to charge higher rates by saying people have lower credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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:
Good afternoon, unfortunately I believe I am a victim of identity theft. My information has been compromised and used to obtain goods illegally on my behalf. My credit is completely destroyed and I can't even get approved for a car now that mine broke down. The accounts that I suspect are fraudulent are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  and XXXX XXXX as well. 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 non-monetary relief
Consumer complaint received 2020-03-03 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 recently filed a report with Experian, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & Experian did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2020-03-03 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: NY

Complaint narrative:
I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my 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 2020-03-03 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: NY

Complaint narrative:
I have been very active in trying to clear up this identity theft situation im in. i have sent in reports to the bureaus to no avail. there sill remains an inaccurate account on my reports. XXXX XXXX opened in XX/XX/2012 with a {$17000.00} balance is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IN

Complaint narrative:
I attempted to freeze my LexisNexis consumer disclosure report, yet despite several attempts both by mail and by phone, the company has yet to comply. 

So, I am requesting a security freeze be place on my Consumer Disclosure report. I opt out of LexisNexis disclosing future information until further notice, which includes the C.L.U.E report and other reports furnished by LexisNexis regarding all personal information of mine. This includes information currently shared with XXXX  and other third-party reporting companies. 

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My identification is attached to perfect this request. 

I am also opting out of any and all sharing of my personal information.

Company response to consumer: Closed with explanation