vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, XXXX  and Transunion. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from 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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Send a payment of {$2000.00} on XX/XX/XXXX for mortgage payment was stuck in a suspense account! why!!!!!!!!!!!!! been on hold with my cousin for an hour and hung up on, called today XX/XX/XXXX transferred to 3 times to same department says call XXXX ext XXXX to call relationship manager XXXX XXXX had an appt today at XXXX california time NO CALL!!!!!!!!!!!!!!!!!!! 1 NEED A SUPERVISOR OR ABOVE! ON HOLD FOR AN HOUR ASKED FOR SUPERVISOR AND NOTHING! COMPLAINT WILL BE SENT WEEKLY UNTIL RESOVED AND WANT AN AMERICAN REP NOT FROM 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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX with all 3 Bureaus Equifax, XXXX  and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX  with all 3 Bureaus XXXX, Experian and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OpenRoad Lending
State: AZ

Complaint narrative:
I applied for and was declined by Open Road LLC to refinance my vehicle on or about XX/XX/2020 and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at XXXX XXXX XXXX on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-Open Road did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called XXXX XXXX XXXX on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like XXXX XXXX  would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with Open Road LLC selling my sensitive information after declining me as this could lead to fraud. I read the Open Road disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER Open Road LLC declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from Open Road and ALL of their affiliates files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XXXX we brought house at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
In XX/XX/XXXX my husband had a XXXX  XXXX, that left him XXXX on right side and is XXXX I had to take time of from my job to assisted my husband. We did not received any XXXX until 2 years later with no back pay.. 

From that time and until XXXX. We have been struggling with keeping our home under XXXX XXXX XXXX XXXX and Fay Sevicing. We tried to do modifications several times and was denied. 

On XX/XX/XXXX, our home accidentally caught on fire and the house was totally burn down. It took been 2 years and the house is just now starting to be work on. Fay Servicing received full payment from my insurance company.. My constructor XXXX  XXXX  received some of money for Fay Servicing to start Construction on our home. 

In the meantime on XX/XX/XXXX a motion was file to Civil Court to reinstate a sale date. It was filed under a new bank named XXXX XXXX XXXX XXXX as trustee to our home to our home. We were never served a with any correspondents that XXXX XXXX XXXXXXXX was one of parties of interest to the house. We were not served and XXXX XXXX  is requesting a sale date. 

And also if XXXX XXXX  is granted sale date of property in present condition then we would have a huge deficiency judgment left on us. 

For years we have been trying to save our house and to no avail. 
We need help to save our home. 

Thank you for the cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and noticed a few things that were inaccurate. I did dispute the information and only to be hit with 4 new medical collections. I was never informed from anyone that I owed any type of balance or I would have made sure to get the bills paid. It wasn't until I saw my report that I was made aware. I did contact the company and paid the right away. I was told verbally they would remove it especially since I didn't even know about them. The accounts are from 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 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt appeared on my credit report on XX/XX/2019 I have no knowledge of this company or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a heloc loan from bank of America 15 years ago they recently last year sent me a letter stating that I have not made the payments and they wanted all the money now I have been paying on this loan for 15 years I sent them all the billing statements but they still wanted me to pay it again so they sent the whole loan total to a collection company XXXX XXXX XXXX  they demanded XXXX in 30 days I had to pay the whole loan again or face losing my home I sent the money and now sls wants XXXX more and will not give me a billing statement that shows what i have paid or what they think I still owe they are trying to take my house now again for 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 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I was sent a Wage Deduction Notice from a Law Firm named Blitz and Gaines, P.C. on XX/XX/XXXX. I contacted the debt collector early XX/XX/XXXX. I had spoken with someone at extension XXXX. I was not ever aware of a XXXX XXXX Credit Card account of any sort. Allegedly, I opened account # XXXX on XX/XX/XXXX and the account was sent to collections on XX/XX/XXXX & I have two accts on file.I was not aware of these accounts until XX/XX/XXXX from XXXX  XXXX customer rep, XXXX XXXX & when I contacted the law firm responsible for this account. I gathered the following information. 
* XX/XX/XXXX, I allegedly communicated that I disagreed with payment & made payment plans. 
* I was served XX/XX/XXXX * Documentation was sent to my address on unspecified date * Settlement amt sent to my home on unspecified date The other XXXX XXXX account number is XXXX. I filed a Deceptive Practice Credit Card Report # XXXX. XXXX XXXX is currently investigating the acct now.I have placed a fraud alert on all 3 credit bureaus. I will do whatever it takes to prove that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis contuses to share a public record without my consent to the credit the reporting bureaus, when my LexisNexis report is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I noticed a hard inquiry dated XX/XX/XXXX on my TransUnion credit report from Syncb National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my XXXX report. It, however does not appear on my XXXX  report. So I decided to call Syncb at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call XXXX  and let them know. I asked him if I need anything from him and he said no, that XXXX  would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call Syncb back and get a letter of deletion from Syncb. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report.

I call Synb back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that XXXX  requested it and still they refused to provide any such document. 

Furious, I called XXXX  back and let them know that Syncb refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in Syncb 's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this Syncb National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

Thank you

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am writing to dispute a collection account of {$830.00} that my previous landlord filed in my personal credit bureau report against me. Even though It was paid in full since XX/XX/2016. I fulfilled my contract and paid all the dues. 
After I left the property and they gave me the thumps up, they came back with all these fees that I was due. I talked to the property management company and they told me that they no longer had any records and that they sold the condominiums. I contacted the Professional Debt Mediation in writing and over the phone and submitted all the payments and contract and they came back with a reduced fee of {$730.00} with no explanation on how they came to this amount, after I gave them proof from my bank along with the copy of their contract and pointing out their mistakes on my account ledger. The creditor " XXXX XXXX '' kept my pet deposit and they even have it on record and did not refunded my deposit or credit my account for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hold 2 cards with capital one, one I've held since XX/XX/XXXX and the other I have held since XX/XX/XXXX. 
I have continued to request a limit increase on both of these cards and continue to get denied for no justifiable reason. My last and only increase on one card was XX/XX/XXXX and the other was XX/XX/XXXX.

After calling the company directly and asking why the denial for the limit increase ( s ) I was not given a direct answer as to why. Though the representative I spoke to did state to me on the call that I indeed do meet all of the requirements/qualifications for a limit increase.

Qualifications being : all of my payments have been made on time, no missed or late payment ( s ), as well as  keeping my utilization under the 30 % threshold. Though I was informed that I met all the qualifications for a limit increase on both cards, I was told they had no control. Though when I applied for both cards, it was advertised that there would be periodic limit increases provided all qualifications be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The Company " LVNV FUNDING LLC '' has falsy accused me of having debt that I did not accrue. In addition they sent me a letter posing as a lawyer suing me for debt in the state of California.

Company response to consumer: Closed with explanation