vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 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: FL

Complaint narrative:
I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to 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 2018-04-05 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: NY

Complaint narrative:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XXXX XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
my stash rewards visa was stolen and used and the fraud was over 12000k and they rebilled it to my account there claiming XXXX XXXX  told them this was used at my store which i dont even own a store and thats why they rebilled it i filed a police report the report number XXXX XXXX police report phone number is XXXX and the officer is XXXX XXXX with district 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 non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In mid-XX/XX/XXXX, I called Ocwen directly to discuss a possible modification to my loan. I was informed that I qualified to apply for a modification because of my increase in income and was instructed on where to obtain the application and provided a fax number to send all documentation. I believe Ocwen miscalculated my income My monthly gross is {$4.00}, XXXX My monthly expenses are {$870.00}, leaving me with a {$3300.00} surplus! 
When I fell behind, it was due to a financial blow, since then my income has increased substantially and I provided that proof to Ocwen. 
The denial letter stated two reasons of denial : 1. Account is greater than 90 days delinquent 2. Could not be offered a payment that is within the guidelines of modification Ocwens modification program They also provided projected terms but stated is " was not affordable ''. 
I agree I am behind, but I am willing to keep my home, I WILL TAKE THE PROJECTED TERMS BECAUSE I CAN AFFORD IT. 
I sent Ocwen a letter requesting to postpone the sale date for XX/XX/XXXX and review my application. I have attached a copy of that letter here along with the denial letter. 
I fell behind a year ago on my payments because my daughter was having XXXX XXXX which turned into XXXX. As a single mother, I had to take time off work to take my child to her appointments. Why am I being treated like a criminal? 
I thank XXXX all that has passed ; all I need is to save my home. 
I intend to pay back Ocwen what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax about an XXXX XXXX credit card on my credit report reporting with late payments. I asked Equifax in this letter to re-investigate these late payments as those are errors. 

I have included the letter I sent them on XX/XX/XXXX. Equifax responded on XX/XX/XXXX updating personal information only. I never asked them to update them personal information and instead asked them to investigate why there were late payments on this XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, Last Tuesday night ( XX/XX/XXXX) I was researching two credit cards I want to start using, the XXXX XXXX Visa Signature Card by Bank of America and the XXXX XXXX XXXX XXXX  by XXXX. I accidentally hit apply for the XXXX card when I meant to apply for the XXXX card. I tried to cancel it right away but did not see a link to cancel. I then applied for the XXXX  card hoping it would still go through as intended. 
When I got my rejection letter from Bank of America on Thursday ( XX/XX/XXXX ), I saw the first reason for the rejection was too many recent credit card applications. Right away I tried to fix the situation by calling Bank of America to explain what happened and ask them to reconsider my application for the XXXX XXXX Visa Signature Card, but I could not get through the phone tree to speak to a representative. After that, I called XXXX to explain the situation and cancel the XXXX XXXX XXXX XXXX and they took care of it right away. 
My issue is that I have not been able to get in touch with anyone from Bank of America to discuss resubmitting my application now that the XXXX XXXX XXXX XXXX has been cancelled.

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 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Critical Resolution Mediation LLC
State: AZ

Complaint narrative:
I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX  has fixed the issue. See attached proof with account info.

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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: NC

Complaint narrative:
Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: NY

Complaint narrative:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2018-04-05 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:
The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2018 I was contacted by XXXX XXXX XXXX, I spoke with XXXX about account number XXXX. I explained I was not working and was requesting a verification of this debit via my mailing address. XXXX told me I assure you that we don't mark up our debit, I asked again to get a verification breakdown of the original debit and how much it was bought for, again XXXX said he couldn't do that. I asked to speak to a supervisor and he transferred me over to his boss. I explained to him that I was not working and looking for a breakdown of how much it was bought for as well as the cost it was bought for by midland. The supervisor stated that couldn't be done since they were a third party collection. I proceed to let them know I would be disputing this account with XXXX. After speaking with XXXX I was notified that they couldn't find anything on my credit report and original account was made a XXXX dollar balance and sold for pennies on the dollar. I asked them why then I would be getting a pre legal notice and I was informed that It was a scare tactic or threat to get me to pay it. So I called midland back at the XXXX number, I referenced account # XXXX. I spoke with what I guess would be called a general phone dispatch. I asked to speak with dispute department in the Consumer Support Services department, He said I am not sure what you are referring to. Again I said I want to dispute this bill until I get verification on it. He transferred me to XXXX again who I told me I was willing to settle today for XXXX XXXX since XXXX told me the original amount was XXXX out and bought for pennies on the dollar, as well as a Verification and breakdown of the debit for how much it was bought for and to send verification to my mailing address. He transferred me to his boss who I previously spoke to. I once again explained to him that I wanted verification in writing sent to me and that I am entitled to that, if not provided with that I would be filing a complaint. I also offered to settle for XXXX  XXXX with the information that XXXX had to passed on to me, asked why it was a pre legal notification if it has not hit my credit report yet. The boss stated that's why it's pre legal so we can settle, I offered to settle for XXXX XXXX XXXX   that I had in my pocket after explaining to him I was no longer working. I asked once again for a verification of this debit. I was told no so he asked if I wanted to hear my settlement options I said no I want verification and to dispute this. To contact them I have to call XXXX they are based out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, however they call me from a Arizona number of XXXX. So like I have stated I wanted a breakdown of the whole debit I much the original debit was bought for in a verification letter of the debit sent to my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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:
XXXX XXXX XXXX will not remove from my credit account where they have responded that it should be removed. I have documents/response that they sent, and sent to CFPB in response to my complaint before. XXXX and XXXX  has removed it from my credit report, but Experian has not. I have resubmitted to have removed from Experian, and it was not removed, again. They sent me a mortgage of someone elses, with a letter that clearly states what they should have done, but did not.

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 2018-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX was Closed due to Fraud and Predatory lending Practices I Qualify for Permanent Loan Dismissal According to the Federal Gov But when i contact Navient they tell me no such Program Exists and that I do not Qualify for this Program. 
Yet under Federal Statue i due and they refuse to dismiss my Loans cause of this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: MI

Complaint narrative:
I have old negative accounts on my report that were supposed to be removed. I am unable to successfully submit a dispute for these errors, even thought XXXX has fixed the issue. See attached proof with account info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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 — Problem with personal statement of dispute
Company: VW Credit
State: CA

Complaint narrative:
My name is XXXX XXXX. I have been a customer of XXXX XXXX from XXXX through XXXX. My account number is XXXX. 

During this time period, for the XX/XX/XXXX payment, i was going to be out of the country and therefore, a payment was mailed in instead of the normal online payment. 
However, upon my return in XX/XX/XXXX, I became aware that XXXX XXXX had in fact not received my mailed in payment for XX/XX/XXXX and therefore, they placed a negative reporting on my credit. 
A second payment was also made at the time of my return to ensure that we would not be late until they figured out what had happened to the first payment. 

At this point today, I am trying to buy a house and this incorrect negative reporting is affecting my approval for the loan to purchase the house. 

I have several times to take this matter up with XXXX XXXX and their supervisors that I have spoken to refuse take any initiative or responsibility in assisting me to fix this important matter. 

I would appreciate your help to resolve this issue as soon as possible. I can be reached on my mobile at XXXX if any additional information is required on your side.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I received a cell phone in the mail from XXXX. I called XXXX  and told them I didn't order a phone. They said the order was placed online. I ask them well it needs to go back cause I have new phone did'nt need another one. XXXX  rep stated to take the phone to the local XXXX  store which I did. I got a receipt from store manager.

On XX/XX/XXXX there was a charged on my phone bill for {$740.00} in addition to my regular {$100.00} a month bill. I called XXXX  stated the phone was return as advise from XXXX  rep which I have a receipt from the XXXX  store. They asked me to fax it over I did. They said they will investigate.

XX/XX/XXXX My cell phone service was shut off. I then again called XXXX  and they said they never received the phone, from the local store.so I'm responsible for the phone after I had show them the receipt. I then went to the store myself where I gave the phone to the XXXX Rep.he right in front of me called XXXX and stated to them that the phone was indeed sent back to there delivery dept. The manager got off the phone stated to me that XXXX will restore my service in a couple of hours. XX/XX/XXXX XXXX did not restore my service. I then was forced to go to XXXX XXXX  to purchase a phone. I had service with XXXX XXXX  since then.

XX/XX/XXXX I was in the process of purchasing my home this debt had showed up on my credit report on XXXX and XXXX XXXX. I called XXXX  again with no success. I then filed a claim with small claims.for {$800.00} XX/XX/XXXXwas my court date with XXXX. XXXX Rep from the store did not show up for court date the Judge have favor me the judgement since there was '' a no show '' from XXXX rep.XX/XX/XXXX I contacted XXXX the collection company that posted this debt on my credit report. They asked for the court documents. I sent all doc over they removed the negative reporting off my credit report.XX/XX/XXXX Got an alert from XXXX stating a negative reporting from " XXXX XXXX XXXX. I called Source RM stated the same information I stated back in XX/XX/XXXX to XXXX XXXX. I sent Source RM all court docs as well they refused to removed this off my credit report. I contacted all 3 credit bureau the debt was removed from one bureau but still on two other bureau.

My issues is that these collection agency buys the debt and I have to keep calling and fighting to have this debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: IN

Complaint narrative:
First Credit Services has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: ERC
State: NC

Complaint narrative:
account is closed and is still showing on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: AES/PHEAA
State: NC

Complaint narrative:
account is closed and is still showing on my credit report

Company response to consumer: Closed with explanation