vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: AZ

Complaint narrative:
XXXX XXXX I received a letter from Tate & Kirlin as an attempt to collect a debt. This issue was resolved years ago. My wife, XXXX XXXX, passed away over two years ago. Given the current situation of quarantine and high unemployment, I feel this is a scam tactic to get money not owed. I think the statute of limitation has expired on this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XX/XX/XXXX i went online to make a payment. I received my SSD  earlier and wanted to get my car payment made. I moved the date to make it come out on the XXXX. I get notifications from my bank and it showed the XXXX had come out 2 times. I called right then. The man said he would expedite the claim. I should have my refund in 7  to 10 days. By mail. LIE. I told him i needed it back by the first coz that money goes for rent. 
I called again on XX/XX/XXXX XXXX. I was told they had to put a 10 day hold on my payment to make sure it cleared the bank. It came straight out. Said they would get it in the mail. 7 to 10 days. LIE I need this to pay my rent. 
I called XX/XX/XXXX XXXX Where's my money. It was mailed. Should be there soon. LIE Called XX/XX/XXXX XXXX. Rents due. 
It was just mailed XX/XX/XXXX. Give it 7 to 10 days. I dont have that long. I asked them to stop payment and over night. Cant do it. I was really ugly. Im sorry. 
I have also sent 2 emails through the app. One was today XX/XX/XXXX. 
Now i cant pay the full amount for my rent. Im on XXXX. Limited income.

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 2020-05-01 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: OR

Complaint narrative:
ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX  XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} 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 2020-05-01 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: OR

Complaint narrative:
ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Every year when I try to get my free annual credit report from Equifax I am told I can not get my report online. Equifax first asks me several questions about accounts I " may '' have, none of which I actually have. Therefore, I have to answer ALL of the questions " none of the above. '' They never seen to ask me to verify an account that I actually have. Then they tell me I can't get my report online and have to submit a written request. They also won't tell me why I can't get the report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Unable to access my account. Unable to reset password. Spent 45 minutes on hold. The representative would not verify my account. The information requested was directly form the credit card or bank account. Asked ridiculous questions about prior loans or balances that no one would be able to answer as they were so vague or open ended. Representative 's English was poor and almost unable to understand her. My data was reportedly involved in THEIR breach and then they treat me this way. Shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: DE

Complaint narrative:
1. On XX/XX/2020, I filed dispute with TransUnion credit bureau for one of my installment account ( account # XXXX ) with XXXX  company because the balance was incorrect on my credit report. After the dispute completed on XX/XX/2020, it showed that my payment rating on this account was 120+ days late. I called the XXXX company to discuss about this account and they told me that they never report any late payment on this account to TransUnion or any 2 Credit bureau at all. They also told me that they send a new report to 3 Credit Bureau every month. I believe them because when I check on other 2 credit bureau ( XXXX  and XXXX   ), it shows that I never late and paid as agree. I filed dispute with TransUnion again on XX/XX/2020, it still processing. I tried not to think that TransUnion is the one that make a mistake about my credit report, but everything seems to show me that way. This error also cause me a big credit score drop. I also sent the payment history document for this account to support for my dispute. I still never hear back from TransUnion at all. By the way, before my first dispute on this account, my account was showed paid as agree and never late on my payment history. 

2. TransUnion also deleted one of my credit card account that I was added for authorized users for XXXX XXXX account. I called TransUnion about this error that they told me to go talk to the creditor of this account. I also called the creditor for this account that they told me that they always report my payment history to 3 credit bureau after my statement date. Before my first dispute with TransUnion on XX/XX/2020, this account was reported correctly and showed in my credit report, but after the result for the dispute on XX/XX/2020, everything was mess up on my credit report with TransUnion. I also check my credit report with XXXX  and XXXX, this account is showed in there. 

I also attached document to support my complaints.

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 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I now have a temporary hardship forebearance plan agreement. 
Due amount by XX/XX/XXXX, is {$5900.00}. 
My case worker is XXXX XXXX. 
Yet, today a get a letter that shows assessed expenses of {$6000.00}. 
And at the end of letter it has an attorney and states attorney start foreclosure proceedings. 
And before remitting payment I have to call that attorney? 
I called in the past and I'm not dealing with him. 
The case manager in her letter never mentioned this from letter dated XX/XX/2020. 
I'm unemployed. 
And my health is not well. 
Why the double switch? 
I'm at a loss and about to enter a lawsuit against this company about the attorney and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is inaccurate information that keeps getting " verified '' by equifax. Portfolio Recovery is reporting negatively and its paralyzing me from moving. Portfolio has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called XXXX  to mail them the letter of proof from portfolio but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! XXXX  HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is inaccurate information that keeps getting " verified '' by equifax. XXXX XXXX is reporting negatively and its paralyzing me from moving. XXXX has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called equifax to mail them the letter of proof from XXXX  but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! EQUIFAX HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: NY

Complaint narrative:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-05-01 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : DEPTEDNELNET  XXXX XX/XX/2018 ( Multiple Accounts Reported ) I am not sure how this happened, The late remarks started late 90 days right after a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: TX

Complaint narrative:
I am a victim of identity theft. I have requested for Experian to investigate into some existing Fraudulent accounts on my credit report. I have supplied Experian with a copy of my police report, FTC report, requesting for fraudulent activity to be suppressed. Experian CB has failed to comply with FCRA in reference to victims presenting with identity theft.

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I paid off my debt in full, 2 weeks ago to Collectech Diversified XXXX XXXX XXXX XXXX, TX XXXX and on the same day I paid off two other accounts to two other debt collections agency ( XXXX XXXX & XXXX XXXX XXXX XXXX ) XXXX and XXXX have already sent my updated info to the credit bureau and my credit report has been updated thanks to them. However COLLECTECH DIVERSIFIED has yet to update the information on their end and I believe this is because they are intentionally sitting on the information instead of filing it in an efficient manner due to my previous complaint. COLLECTECH DIVERSIFIED is a small hole in the wall company their work load is tiny compared to these other two efficient corporations. COLLECTECH DIVERSIFIED has no excuse to continue sitting on my credit information. I write this to stress my greatest concern at the facts that this small business lacks the professional capacity to handle such delicate information as people 's debt info. They clearly have no respect for individuals who want pay off debt and due to their level of untrustworthiness which has been highlighted by HUNDREDS of other individual 's complaints, I don't trust this company will update my information in a timely manner. My information should not be at the hands of spiteful unprofessionals who refuse to do their jobs.

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 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was approved for MySychrony Credit Card around XX/XX/XXXX/XX/XX/XXXXwith a credit limit of {$2500.00}. I used the card twice to make purchases and paid them off, but after making a 3rd purchase of {$1800.00}. The company approved my purchase but a couple of months later reduced my credit limit to {$1600.00}. Making my purchase be over my limit. 

I called to see why and have been told that the credit bureaus informed them that that was the highest amount that I could be approved for. 
I contacted the bureau was told that they did not inform them of this. 
I contacted MySynchrony again and they insist that this is what has happened. 

I am truly annoyed by this because of the impact on my credit report it shows that I went over my credit card limit and I did not. What can I do? 
Please assist me with this matter and I truly thank you in advance.

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 2020-05-01 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo morgage have add Credit changes on XX/XX/XXXX My credit was down -23 pts, with reason, payments have been on time for the past 5 years, I call them they referred me to this company, do to they dont see a reason why this was create for me. 
WELLS FARGO HOME MORTGAGE Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Account in forbearance

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