vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-04 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX  credit reporting Has never updated removed incorrect information.After much hassle I did get a letter with my credit score after complaint here with you.My score has not changed.I called and spoke on the phone with a gentlemen named XXXX who I could hardly understand.I was told my credit report is computer operated and there is no way to change that.i pointed out and asked about the hard Inquires that have dropped off a d the point system for that.he confirmed that is the point sytem.and the computer generates all reports there is no way to change it.i filed on XXXX and have had no responses.I asked why some information disappears and reappears.no answers.I called again spoke to a supervisor who said I have no credit history.i find that hard to believe since the whole reason I checked into my credit was i was notified that my information was hacked and frozen.I have been at this almost 3 years i belive.Done it all by myself.And it is worse then it was before.I am ready to pursue legal charges for all the headache, time, effort, calls, disputes, complaints, and research into this whole issue.

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 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX keeps calling from PHH threathening me of a sensitive issue and to foreclose my property. 

My mortgage is uptodate and on the credit report a wrong amount is listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: AL

Complaint narrative:
I've done online disputes. I've also mailed letters to XXXX, XXXX and Nationwide Recovery Service. About a XXXX $ negative item on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: AES/PHEAA
State: TX

Complaint narrative:
FedLoan Servicing was mailed disputes regarding my credit report for XXXX months worth of late payments reported from XXXX and XXXX of XXXX causing me to have XXXX ( XXXX ) late payments show on my credit. After more than 6 months it was finally resolved and FedLoan Servicing sent correspondence to me and also here that the issue will be corrected and the update will reflect on my credit reports within 60 days from XX/XX/XXXX which it was. 
However, FedLoan Servicing came back here on CFPB in XXXX and stated that again there was another error and the correction to remove the late payments from XXXX and XX/XX/XXXX was also removed in error and that the late payments should remain on my credit reports. 
My issue with FedLoan Servicing is that they are not resolving an issue that they created. I have sent several disputes to this company and have not received any form of resolution this has taken a toll on me mentally, physically, and emotionally to have to endure pain and suffering all because of their mistakes. No one at this company has taken accountability to resolve my issue, please assist and I want these late payments to be removed once again from all three ( XXXX ) of my credit reports immediately. 

For their company to agree to update this information then later go back and add it to my report is destructive to my credit worthiness and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TN

Complaint narrative:
I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting 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 2019-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
XXXX This email is associated with a scammer selling items online then not following thru with sending items purchased thru paypal services paypal doesnt cover all transactions when sent certain ways and that how the purchase cant be canceled and money refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I recently filed a complaint with CFPB against Wells Fargo and I did get some resolution but it was not satisfactory. After reviewing the results, I feel it necessary to file another complaint. This one is in reference to the fact that the did not mention in their response that they credited over {$9000.00} back to my account. I am certain that they should have credited more. As a result, I am submitted another complaint in that regard. Additionally, I find it inconceivable that CFPB could do no more that what was done. The loan I have with them was issued during the time they were issuing loans they knew the value were inflated. To say that this property was appraised in excess of {$100000.00} is an absolute falsehood. The tax amount assessed yearly is {$800.00} and if it were valued more, the tax collector would certainly have no issue doing so. Other proper valued at say XXXX tax assesses at {$3800.00} per year. When this loan was issued, the property assessed value was not the $ 100K+ as Wells Fargo 's appraiser reported. The appraisal done by their appraiser was inaccurate and a fraud. This was all done in an effort to substantiate this inflated loan as they have done thousands of times over at Wells Fargo.

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 2019-07-04 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: TN

Complaint narrative:
I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: TN

Complaint narrative:
I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
A laptop was purchased from Conns and returned within 60 days within the box and not used. I was told by Conns that the Laptop would be sold and I would be billed for the remaining price on laptop once sold. In stade, I received a bill for the entire amount with finance charges of over {$3500.00} dollars. I made an offer to pay off bill of {$700.00} Dollars since the labtop total price was only {$1500.00} Dollars. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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:
XXXXXXXXwasmaileddisputesregardingmycreditreportfortwomonthsworthoflatepaymentsreportedfromXXXXandXXXXofXXXXcausingmetohave6(six)latepaymentsshowonmycredit.Aftermorethan6monthsitwasfinallyresolvedandXXXXXXXXsentcorrespondencetomeandalsoherethattheissuewillbecorrectedandtheupdatewillreflectonmycreditreportswithin60daysfromXX/XX/XXXXwhichitwas.
However,XXXXXXXXcamebackhereonCFPBinXXXXandstatedthatagaintherewasanothererrorandthecorrectiontoremovethelatepaymentsfromXXXXandXX/XX/XXXXwasalsoremovedinerrorandthatthelatepaymentsshouldremainonmycreditreports.
MyissuewithXXXXXXXXisthattheyarenotresolvinganissuethattheycreated.Ihavesentseveraldisputestothiscompanyandhavenotreceivedanyformofresolutionthishastakenatollonmementally,physically,andemotionallytohavetoendurepainandsufferingallbecauseoftheirmistakes.Nooneatthiscompanyhastakenaccountabilitytoresolvemyissue,pleaseassistandIwanttheselatepaymentstoberemovedonceagainfromallthree(3)ofmycreditreportsimmediately.

Fortheircompanytoagreetoupdatethisinformationthenlatergobackandaddittomyreportisdestructivetomycreditworthinessandillegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I received an unsealed pre-selected offer of a PNC cash rewards visa credit card with the customer reservation on it and a deadline of XX/XX/2019. The offer came from PNC Bank, XXXX. XXXX XXXX XXXX, MI XXXX. Do you always send out your mails unsealed? Someone might use the reservation number or any information on the letter Please let me know what steps are taken so any information will not be used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went through a company called XXXX XXXX XXXX and I noticed on a Capital One account document it had my wife name on the document that I have sent to you XXXX. Please contact Capital One and have them remove it for once and for all. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery constantly calls my cellphone and when I've told them I don't know about the debt, then ask when this debt was and they reply from 13 years ago. Then they call my home number don't reveal who they are just leave messages to call back at a XXXX number. They constantly call me on my home phone and cellphone from different numbers, some XXXX numbers others from different state area codes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My credit was effected by capital one bank on Friday XX/XX/2019 around XXXX. This credit run was not authorized by me. As soon as I received notifications to my phone that my credit was ran from capital one bank, I immediately contacted capital one bank to get further information about why my credit was ran without my authorization. I was told that they do not have any information as to an application being submitted with my information. Two days later I received a document in the mail from capital one bank requesting more information to get an approval response for a line a credit that again I did not authorized. I attempted again to reach out to capital one bank, and this time I had an application number from the letter I received. I was directed to contact the credit bureau that was effected to see if I can get this dispute resolved, which referred me to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: DE

Complaint narrative:
Went to settlement with Academy Mortgage on XX/XX/2018 to purchase our home. We received a bill from our local town this month for city property tax in the amount of {$1000.00}. Apparently Academy forgot to add our local property tax to our escrow account without our knowledge. We are now struggling to find the funds to pay this unexpected tax or face foreclosure on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I opened a checking account 2 weeks ago. I have been a member of USAA for 12 years, prior. A few days later, I transferred over my savings from an external bank account that I was closing out ( because I am moving to another city and they don't have regional branches ). My account was frozen after the deposit, and put " under review ''. A week later they unfroze my account, but will not let me withdraw my money or use my debit card. They have disabled the debit card they sent me. They will not send me a new one. 

Nobody I talk to in customer service can help me. Nobody knows why my account keeps getting frozen. I talked to an Executive Member Resolution team member, and she hanged up on me. She claimed to be a supervisor, but had no access to fix my account. 

USAA has frozen my account again! This is the second time in 2 weeks. USAA is now my only bank account. All of my money is in their checking account. 

I have not eaten in 2 days. I am afraid I will die due to lack of food. I have called their bank multiple times. The lower tier agents just tell me that the account is " under review '' and are unable to help. It has been under review for weeks. 

I am a XXXX veteran at risk of dying due to lack of food. I have not eaten in 2 days. I am afraid they will take my next payroll deposit, but not give me access to the funds. I am scared for my life. I can not change the payroll deposit because it's to late to reroute the money. I don't want to die.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
starting a XXXX they start calling every 1.5 to 2 hours. The calls are automated and will not stop. Even after I call them back and talk to someone about the payment they say the call will stop they continue. I understand I late on my payment and I always get it paid before the next on come s up and I run a company and unfortunately not everyone pays me when they should so it gets hard for me to pay my bills on time sometimes. I have also told the company that they cant call me during working hours XXXX XXXX to XXXX XXXX   weekday but the call continue. Today is the XXXX of XXXX and I have already revived 2 calls this morning before XXXX XXXX. This in my opinion is extreme harassment, if I ran my company like this I would not have any customers.

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 2019-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA placed a collection of {$130.00} which is not owed on 3 of my credit files. XXXX, XXXX, and XXXX.This debt collection should have never been filled against me. Debt was paid directly to XXXX XXXX by insurance and I paid the remaining balance. I did not receive any information about this prior to going into collection by mail or phone call. I discover it by a credit app notification. XXXX XXXX. I should have been able to dispute this debt before they place it in collection. No letter from them. No letter to verify I owed the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of fraud and items that r not mine and have not even been properly validated, or anything only by a third party vender which come with a lot of loopholes that were disputed 8 mths ago with EXPERIAN were deleted and now they are being added back to my report this is against th FCRA. All of the items that are being placed bavk on my report were deleted due to fraud.I have consulted with an attorney who is putti g them into litigatition.There is also a current class action lawsuit against this bhreau and I may report to XXXX as well.Please have these otems removed immediately that were deleted almost a year ago. 

Items being readded that were deleted last year : XXXX XXXX XXXX XXXX so far They readded XXXX but redeleted that here on XXXX This all is illegal. These are reasons among many many this credit bureau has current lawsuits pening against them. What I also found that within the dispute center history they updated the old results which is not displaying these items were deleted but my attorney and staff have the deletions in black and white from the paper results sent by mail. This is illegal actions and Experian will be exploited!

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 2019-07-04 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TOYOTA MOTOR CREDIT. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. XXXX XXXX XXXX   . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX/XXXX XXXX XXXX 12.XXXX XXXX XXXX XXXX 13.XXXX XXXX 14.XXXX/XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXX 17XXXX XXXX 18.XXXX XXXX 19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX XXXX 22.TOYOTA MOTOR CREDIT CO XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Our mortgage was sold back in XX/XX/XXXX to Faye Mortgage Service. ( Mortgage XXXX ). At the time our mortgage was sold we were not appraised of the sale. In XX/XX/XXXX or XXXX of XXXX we received notification that our home was in foreclosure and that we were 6 months in arrears. All along XXXX XXXX had been receiving our payments. We were at that time able to direct them to XXXX XXXX to straighten things out. However they continued to tell us we were in arrears. We sent them two years of cancelled checks as verification that we were not in arrears. We get names of people assigned to our case who we speak to for one minute who then never call us back - we send emails ; write letters and call. No one ever responds. We have sent numerous emails each time with copies of cancelled checks. Now they refuse to accept our mortgage payments as they say we are either in foreclosure or pre-foreclosure. This is unfair. No one at Faye ever ever ever responds. Ever. This is a transactional issue between Faye and XXXX and I am about to loose my house over this - I need help.

Company response to consumer: Closed with explanation