vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage reported XXXX late payments on my credit report for XXXX and XX/XX/XXXX on XX/XX/XXXX. I had contacted the company in XXXX and faxed my legal name change paperwork and XXXX XXXX military orders ( with PHH acct. num. ) to have payments differed until after my orders ended ( I.A.W. -CA Families Financial Relief Act ). 
In XX/XX/XXXX I noticed the late payments on my credit report and I called PHH to inquire as to what happened. They said their was a miscommunication on their end within their departments ( perhaps due to the name change ) and my deferment wasn't processed. They apologized, corrected the deferment ( currently no payments due until XXXX XXXX ) and refunded any late penalties that were on my account. My account is now in good standing with no history ( on their end ) of late payments. 

However, I can not get the late payments off of my credit report. PHH customer service says they can only offer a letter that states the late payments were inaccurately reported ( which I turned into XXXX and it did no good ). PHH states they have no way to call XXXX to verify the letter. Their research department handles credit bureau reporting but they only have a fax number or an address for snail mail. 

In summary, PHH 's research and customer service departments are not communicating. The research department most likely thinks the late payments are accurately reported while the customer service department disagrees. I tried to see if we could do a conference call with myself, PHH customer service and XXXX to get the mess sorted out but XXXX said they are not allowed to talk to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text on XXXX indicating that new Bank Of America Credit Cards will be shipped to me in XXXX  days. I never applied for new Credit Cards. I called Bank Of America and highlighted it as a fraud.

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 2021-12-07 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: FL

Complaint narrative:
I had a collection that had been raised against me by a creditor that purchased my original debt from XXXX. In XXXX and XXXX the case was presented in court, and in XXXX my lawyer presented a motion to quash and the case was dismissed by the judge. Following these events, I requested both XXXX and TransUnion to update this information on their credit reports because it was negatively affecting my credit. XXXX obliged and my credit now reflects the fact that the case was dismissed, ergo my credit is healthy as per their reporting. On the other hand, TransUnion has failed to remove this from my credit report even with multiple, consecutive requests to do so by submitting supporting documents/evidence of the change of status. I have requested TransUnion to update my account XXXX times now. The first XXXX times they processed the request and didn't change my report. The last time I reached out, I once again requested they update my account and stated that if they were unable to oblige that I would have to file a report with the CFPB. They did not change the status of my credit on their report, and this is currently negatively impacting my credit. TransUnion has demonstrated negligence in mending their report of my credit.

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 2021-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/2021, I had my cell phone and wallet stolen from a park. The following day, my Wells Fargo debit account was riddled with fraudulent transactions, including a check deposited to my account, and the funds from the check being withdrawn via atm and XXXX XXXX. I was also locked out of my online banking account, making it impossible to see what was going on. I reached out to Wells Fargo to submit a claim. I told them my situation and that whoever had my card also had my cell phone so they had access to my online banking, phone number, and XXXX XXXX. The fraud department removed many of the invalid transactions, but denied my claim on the check and subsequent withdrawals. This has left my debit account with a negative balance of around {$5700.00}. They expect me to deposit the negative balance, even though Im not responsible for the missing funds. I have requested an appeal on the denied claim but am not hopeful in it resulting in my account being credited.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a complaint regarding my name on my Equifax credit report. The company has mailed me information indicating my name is corrected but, my name is still incorrect on their website and on the letter addressed to me. My feedback on the previous complaint was that the company had not resolved the issue. I need to ensure my name is correct on my credit report, including the information viewable in my online MyXXXX account. 
This is my previous complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 is incorrect
Company: MIDFIRST BANK
State: KY

Complaint narrative:
I am in a furlough with my mortgage company and they are not suppose to reporting late payments bc of that and they have me listed as 60 days late and I want it removed I have spoke to a mortgage individual already and they told me they are not suppose to be reporting late

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Sequoia Financial placed for collections the account that my client had with them, however, the company did not send the right to dispute the debt, nor any information regarding the debt. On XX/XX/2021 I sent a letter requesting the verification of the debt since my client does not recognize the balances reflected on the credit report. On XX/XX/2021 and XX/XX/2021 I sent follow-up letters because the company was not responding. Unfortunately by today XX/XX/2021, the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX* US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: MI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
It has only been a couple of months since I bought my car off of XXXX, I already informed Bridgcrest on XXXX that they will expect my Bill Of Exchange/Check for the payoff quote that she gave me within the 10 day payoff timeframe, she STILL informed me that even though a check is on the way ( mail is taking forever ) that the car is still up for repo now! I literally just got the car and immediatly started processing this payoff check which is currently being authenticated which is taking a few weeks, but I did update Bridgecrest they will recieve it shortly via the payoff address they gave me, and still after this very very short period of time knowing they are getting the payment they still want to take back the vehicle? Ive owned MANY vehicle and never have I experienced this with any loan company. Hopefully they can wait the XXXX days and not come repo the car for no reason just to have to go to court and give it back. Should loan companies not give decent time frames if the customer is giving a full payoff considering bank verification and mail times etc.? I also do not consent to my information being sent out to ANYONE considering Bridgecrest and I never had a contract ourselves. I also do not consent to any property repossession.

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 2021-12-07 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: MI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-07 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: National Collection Systems, Inc.
State: AZ

Complaint narrative:
15 USC 1681 ( b ) i never gave authorization or approval from this companyto report anything on my consumerreport. 15 usXXXX 1692g me being the only originalcreditor i am the only one that can validate a debt and i have asked for all of the documents multiple times and they are unable to provide because within any document they send i will continue pointing out violations. I would according to 15 usc 1692kExcept as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofinthe case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} i want my money back as i was unaware of the fraud activity being taken place at the time but i am now aware that i am the only orginalcreditor and you guys have been credited. This is violating my privacy and i demand this be taken immediate action according to 15 usc 1681 ( a ) Its my right to privacy. In truth in lending it clearly states what should be exluded fromaconsumer report and it says any credit card. Look up thedefinition of a credit card that congress put in place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is saying that I opened an account with them for new phone service. I never did and never have used any of their services. I have XXXX as my cell phone co. They sent me a bill for {$55.00} dollars and I called them XXXX times to explain I never signed up for anything. They turned over the matter to a collection co and now they are calling me. I asked them to go back and listen to the calls and they will see that I never signed up for any service. I am being harassed by XXXX XXXX and this outside collection service. It's outrageous and unprofessional. I will never do business with XXXX XXXX  as a result of this. How do I make them stop calling me and make sure that they don't report any negative items on my credit report. I also contacted my credit card company to report the fraud. They reversed the charge on my credit card bill. I literally have no marks on my credit report. Also can you make them stop?

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