vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-02 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: MI

Complaint narrative:
XXXX  AND EXPERIAN failed to check with alleged furnishers to validate all alleged debts in dispute that furnishers claim plaintiff owes. XXXX  received Plaintiffs debt validation letter on XX/XX/2019 ( tracking # XXXX ) and Experian too received the letter on XX/XX/2019 ( tracking # XXXX ). Plaintiff disputed alleged debts with the following creditors through EXPERIAN XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX Its The credit Bureaus job to do a reinvestigation of the disputes. 
EXPERIAN and XXXX did not prove in details what steps they took to verify if the debt is in fact the plaintiffs.What system and or method did EXPERIAN and XXXX  use None of these alleged creditors can show an original contract with a wet ink signature on it with plaintiffs name on it. Plaintiff argues that plaintiff can NOT agree to a mere COPY of any signature. EXPERIAN and XXXX  are the ones reporting therfore plaintiff is questioning the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MD

Complaint narrative:
This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
1- On XX/XX/2020 tried to make payments online and there was no Make Payment link on the website I had been using to do this for about a year. It seems they are coercing customers to either pay by phone which involves a FEE OR one is coerced into signing up for AUTOMATIC payments! 

2- When I tried to send a letter by email using their email link it consequently disabled my ability to open the website at all! They are forcing customers into delinquency! I OBJECT! I will not stand by and allow myself and others to be coerced into delinquency which would impact credit scores!!! Contact them immediately please! Can they force me to sign up for automatic payments? 

3- This company is price gauging customers in the sense they have twice sent letters to recast ones mortgage to lower monthly mortgage payments which consequently adversely increases the interest at HIGH percentages! They cleverly neglect to say this in writing! All they say is that you will have a lower payment and they expect customers to figure it out ourselves that they ONLY put the higher interest level in numbers - without ever putting it into writing that you will be paying more!!!! That should be illegal! 

4- This company PHH mortgage is part of OCWEN and I do not trust this company ( PHH to be competent as they claimed to lose checks I had mailed in, twice!!! 

Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i  alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have multiple times submitted the following information of my income. They have repeatedly rejected my loan modification because they are not including all of my income in their calculation. 

I am appealing the denial of my loan modification I am XXXX XXXX property XXXX XXXX XXXX XXXX XXXX, Texas loan number XXXX Im appealing the denial of the standard modification for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the Forbearance Plan for reason of Due to  excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

Im appealing the denial of the HAMP Tier I for reason of Due to excessive obligations, we are unable to offer you a modification because we are unable to create an affordable payment without changing the terms of your loan beyond the requirements of the program. 

The reason for my appeal is that Mr. Cooper has miscalculated my income and reported the wrong income United State Department of Agriculture. 

The representative for the loan modification department is showing my income at {$2700.00}. 

My net monthly income : Income # 1 XXXX XXXX {$1500.00} net bi-monthly= {$3000.00} ( evidence included below ) Income # 2 XXXX  XXXX XXXX net {$220.00} each week= {$890.00} ( evidence included below ) Tenant= {$750.00} ( evidence included below ) My total net+ income is {$4600.00}. My total gross in {$5900.00} Obligations including my mortgage is {$3100.00} My obligations : Below is evidence of my current income and a copy of my application. 




XXXX XXXX  XXXX  Tenant : {$750.00} Lease also included Doctors Notes : Due to have symptoms of XXXX I was sick and self monitoring and unable to mail a response until now. However, this should still reach you with in the 30 calendar days if not Im asking for a medical exception. Also, my town is currently under Shelter In Place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as 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 2020-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I applied for the Credit card in XXXX got approved. I provided all the documents needed including bank statements. Also received abuse and harassment from the staff. Mr XXXX XXXX messaged me saying you application is almost finalized. He then send me a email saying the jig is up? This credit union has lied to me and mislead me. I got approved for a credit card which was never send to me. Mr. XXXX XXXX has refused to reply to my emails. Also a complaint was filed ( ref XXXX ) in which the case was immediately closed with out any outcome and no investigation. 


I am lodging a written formal grievance to invoke the grievance procedure by reason that PenFed has omitted to recognise its 'statutory duties ' germane to my XXXX. This omission whether deliberate or inadvertent is to my detriment. 
My health and well-being have been affected and continues to be effected due to PenFed relevant failure to observe a duty of care towards me. In invoking the grievance procedure, I am asking PenFed to observe the implied term of 'mutual trust and confidence ', and not act in a manner which would likely destroy, or seriously damage that trust and confidence. I trust therefore, that PenFedwill observe the 'good faith performance and take 'reasonable and practicable steps ' to remedy the following grievances. I trust that that I will not be subjected to a detriment and or detrimental treatment for having exercised my statutory rights in invoking the grievance procedure.

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 2020-04-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched statement of XX/XX/XXXX OTHER CREDITS {$2.00}, XXXX. 
( - ) subtract merchants credits of {$910.00}. LEAVES {$1.00}, XXXX FRAUD CREDITS NEVER RESOLVED?? WHY?? See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX ( USAA DID NOT COMPLETE THIS INVESTIGATION FOR 9 MONTHS. ) UNAUTHORIZED TRANSACTIONS OF {$470.00} And this iIS THE * ONLY COMPLETED INVESTIGATION RESULTS USAA NOTIFIED ME ABOUT. WHY?? What was the RESULT of ALL THESE BEGINNING FRAUD INVESTIGATIONS CREDITS USAA BEGAN XX/XX/XXXX. 
TOTAL {$1.00}, XXXX?? USAA DOES NOT INVESTIGATE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have received several phone calls and mail correspondence indicating that I have a debt to XXXX for {$460.00}. However, when I contact the collection company and provide the last 4 digits of my SSN, they say it is not found in their system. This leads me to suspect that they have the wrong XXXX XXXX, as I am a long standing paid customer of XXXX with no monies owed. Since the collection agency can not find my SSN in their system, they are unable to modify the debt in their system. 

Collection Agency Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX File Number : XXXX Amount {$460.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: CA

Complaint narrative:
These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.

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 2020-04-02 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 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: MD

Complaint narrative:
I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as 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 2020-04-02 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: CA

Complaint narrative:
These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.

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 2020-04-02 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: CA

Complaint narrative:
These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
On XX/XX/2020 I sent a validation of debt letter to Franklin Collection Services. In response I didnt receive proper debt validation. So I am requesting this be removed from my credit report as this is a violation of hippa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
My wife and I are currently in the end stages of refinancing our home. Escrow has noticed us that Tesla, the company that holds our Solar Lease, is now requiring a {$150.00} price processing fee before they provide a UCC release. This is not the first time weve refinanced having these solar panels, but it is the first time Ive heard of this type of processing being demanded which if not provided will result in the refinance not being completed. I believe the CFPB should look into this type of price gouging for a document that should be provided as a regular part of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Manhattan Beach Venture, LLC
State: CA

Complaint narrative:
They said i went XXXX XXXX  something, i never did I never ask for a loan because my situation is i didn't even finish XXXX grade last time was XXXX  at XXXX XXXX high i summit all paper work year after year now they did they never got nothing Im homeless I don't have any of my record is been more than 7 year me trying to clear this but they never give me a result my signature doesn't even come closely to mine

Company response to consumer: Untimely response
Consumer complaint received 2020-04-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is a continuation of XXXX, which CFPB has closed when it shouldn't have. The problem is that Experian will not let me freeze or unfreeze my credit report when I want to. Their online function rejects my request, asking for additional documentation, but then Experian takes no action after I send it in. There has been no response from the company as to why I can't do this operation. I suspect that there is something wrong in their database about me that makes it not think I am who I am, but I'm just guessing. I would appreciate your help with this, and I would also appreciate your not closing the case till the problem is resolved. Thanks.

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 2020-04-02 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: AL

Complaint narrative:
ON XX/XX/2020, MY XXXX  AND TRANSUNION SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT OKINUS WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.

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 2020-04-02 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: AL

Complaint narrative:
ON XX/XX/2020, MY EQUIFAX AND XXXX  SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT XXXX WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.

Company response to consumer: Closed with explanation