vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC ''  and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a collection agency that works for XXXX XXXX. I agreed to a payment plan with the XXXX XXXX XXXX collection agency to prevent any negative remarks from being reported to Credit Bureaus. The XXXX XXXX  XXXX collection agency received my payment and then reneged on our agreement. I spoke to several rude and incompetent supervisors that work for this collection agency. XXXX XXXX was the main supervisor that was extremely unprofessional and rude. XXXX XXXX is the supervisor that reported the negative remarks on my credit report. I contacted XXXX XXXX directly and resolved this matter by paying the {$670.00} in full. The XXXXXXXX XXXX  business office assured me that everything would be taking care of and the negative remark on my credit would be removed from my credit report. I received an email from the XXXX XXXX business office stating that the XXXX XXXX   XXXX collection agency informed them that the removing of the negative items on my credit report would take 2-3 months to remove. Unacceptable!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Ten years ago I was given a line if credit from XXXX. During phone application process I was told that I can pay extra to have a protection in case I lose employment. So I signed up and was paying for that. After I lost my job I submitted for that protection. They never responded until years later they started garnishing my wages without any notification. They took money for over a year. After that employment ended I did not hear from them. When u obtained employment last year I called them right away. They refuses to speak to me or work with me. I attempted several times. Then they started garnishing my wages again and claiming same amount after they already garnishes couple of thousand few years back. They did not honor protection I was paying for nor did they want to work with me. thank you for any advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: DISCOVER BANK
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX stole my credit card by screening my background check, employments, fraud & moving my credit line to discover bank when I never had this XXXX as wallet protection ... ..!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Debt was initially legitimate. Debt was paid in XX/XX/2014 to law firm collecting on behalf of debtor, XXXX XXXX XXXX. I don't know what XXXX XXXX XXXX did with the money, or was it misapplied, but now 4 years later I am being repeatedly contacted by XXXX XXXX  XXXX, law firm, for same debt. I have disputed, and Capital One simply sends me evidence of original debt. I had 2 judgments, both were paid in one lump sum to XXXX XXXX XXXX for the benefit of 2 Capital One accounts. My money was processed by conversation with XXXX XXXX of XXXX XXXX XXXX in XX/XX/2014, at XXXX, to cover both accounts in full. I appreciate your assistance in getting to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My account has been reported as 30-59 and 60-89 days past due as follows : XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX. 

I have made several attempts with XXXX XXXX to determine how this was determined, but I have not received a definitive answer as to how they have calculated the past due payments.I have requested printed statements, to assist me with such information but I have not received a single one. Statements were requested for the months of XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX prior to their due dates. The requests were made through a customer service representative. Customer representatives have provided misleading information ( i.e. minimum amounts due ) over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen is the loan servicing company. They foreclosed on my ex and I had to take the property back in court in order to sell, to stop the foreclosure. The first buyer got frustrated with their lack of response and backed out. With the second buyer, we got them to approve a short sale. The problem lies in the fact that they have no letter of assignments proving they legally hold the note. I tried to work with their dept of consumer ombudsman, they sent a letter saying there is a problem and told me to stop calling and its not their problem if it isnt sufficient. I have nowhere else to turn, Ive lost time and money on a property that the bank made unsellable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Ok heres my problem with Nationstar Mortgage/ : Mr copper. I I purchased a house on XX/XX/XXXX. I got a divorce about 11 months after the fact and doing that gave my wife or ex-wife rights to the house. Now here it is XX/XX/XXXX which is 12 years later these companies Mr. Cooper/XXXX XXXX are still posting a negative balance And falsely showing that Im been making a payment 120 days ago because thats what reason my card for 120 days late. This is the question I have is it legal for a company to sell the house twice and still charge the guy that bought the house or XX/XX/XXXX which is 12 years ago in the back penalties or whatever theres any need to do whatever no I dont think so when you sell the house I thought it was him free of all liens indeed and whatever else. So my question is this, if Mr Copper can do whatever he wants, we may as well just go ahead and just throw the Civilian right away that I served in the XXXX XXXX for two wars to defend, Im sorry but these big companys in our country get off to easy with no legal action taken against them for the Unconstitutional and illegal actions that they decide they want to do.My name is XXXX XXXX XXXX my phone number is XXXX please call me and get the rest of the story I have all documentation and representation I need to go to court if you want no I want just going to go down I want to sue them I want him to fix my credit for the past 10 years of mess it up and be punished for it, if nothing else make them give me the XXXX XXXX for the E legal documentation this representing on my credit report as of today 120 days late is 12 years old whats up. Bottom line is this I dont give a care about the money or whatever discount you need to go down just because of doing wrong and I was sick of it. And heres the kick in the XXXX I cant use my VA loan because these punks have got me two points off of the qualifying close score to qualify for it so they are hindering me from doing what I want to do because theyre doing some illegal so hows that right

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-07-17 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: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously contacted Experian to dispute the following items on XX/XX/XXXX and as of today the items have not been updated which is past 30 days which I thought by law they were to remove the items disputed. 

XXXX  ( acct # XXXX ) is showing activity after it was closed and showing it was included in a bankruptcy XX/XX/XXXX which is inaccurate. I have asked to have this item verified and its been past the 30 days. 

XXXX  XXXX XXXX XXXX ( XXXX ) is showing a 30 day late which is inaccurate and I sent documents showing a payment receipt 21 days after the due date which is less than 30 days late. I have asked to have this item to be verified and its been past 30 days. 

XXXX ( acct # XXXX ) is showing late for the month of XX/XX/XXXX and XX/XX/XXXX and other multiple lates. This account should have no activity for the year XX/XX/XXXX since it was completed in XX/XX/XXXX. It actually states it was included in bankruptcy in XX/XX/XXXX! Even that statement alone is in conflict of a late being reported in XX/XX/XXXX! I have asked to have this item to be verified and its been past 30 days. 

XXXX XXXX XXXX ( acct # XXXX **** ) this account isn't mine and was deleted from my XXXX  credit file. it shows being included in a chapter XXXX bankruptcy which is inaccurate. I have asked to have this item to be verified and its been past 30 days.

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 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: WI

Complaint narrative:
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I spoke to a rep of Wells Fargo whom was questioning me about my request for a settlement. Basically, he repeated the same things they have been saying Wells Fargo lost money too. I have been going on with this issue for years and have been complaining to the bureau for 3 long years. I thought at a certain point I lost my property. Many would have quit paying the mortgage. Not me, always loyal to them. I gave them their dues, but what about mine? As a customer, I have rights as well. They should make me feel important. Without customers, they don't have a business.

They told the bureau they need more time. I have heard that millions of times from them. Soon, I will take a picture of all the letters to postpone resolution of the case. I can not keep up with the mess. Most of them are thrown away. It is a lie. Who is going to help me against Wells Fargo? Someone needs to make them accountable for their mistakes towards me. It is wrong what they did to me, and they will not do anything until an established institution intervenes. That is why I keep on making complaints. Please, help!

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 monetary relief
Consumer complaint received 2018-07-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Today XX/XX/18, I called Nissan Motor Acceptance Corporation to discuss my account and asked if it had reported on my credit report as late. The representative rudley said yes, uhhhh your 32 days late. He then asked why I was late but shocked by his rude response it took me a minute to get myself together and respond. I asked if I could make a payment over the phone to bring it up to date and he explained all the fees. Since I felt he was rude i hung up as i could not finish the conversation. I then called back and talked to XXXX who i explained the situation to and he left me on hold for over 20 minutes. I then called back a third time and spoke to XXXX who explained that i can call XXXX  and tell them to tell Nissan to remove it. I asked him that if Nissan is the reporting agency, XXXX  will tell me to call Nissan so why would I even call them? He then transffered the call to the supervior ( i didnt get his name ) who explained they couldnt remove it and doesnt even know if it has been reported or not since their department doesnt do the credit reporting. I asked if you dont know, why did the first reperesentative tell me that it did? He was not apologetic at all and then when I said it wasnt right for the rep to give me false information, he said it wasnt false which contradicted what he just explained by stating they dont know what is reported as a collection agency. He then was talking over me as i was speaking and the phone call eneded when i told him that it was XXXX. I understand that I was late but the way all of the reps went about it was rude and unprofessional and I will do everything in my power to not do buisness with them ever again and to get my current loan out of their name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
RE : Overcharging for Escrow Account Shortage Account According to the SLS Mortgage Statement for XX/XX/XXXX indicates that my monthly mortgage payment is {$2900.00} which includes {$1200.00} for my escrow balance. The {$1200.00} includes {$800.00} credited for my XX/XX/XXXX shortage escrow account and {$400.00} credited toward my current escrow for XX/XX/XXXX, this is the information from an SLS mortgage statement dated XX/XX/XXXX. The SLS online account indicates that the only escrow balance is {$750.00}. Why am I being charged more than the balanced due for my current XX/XX/XXXX escrow and XX/XX/XXXX shortage escrow account? 

I have contacted your customer service department a number of times and have not received an accurate response.

Your immediate attention to this matter would be appreciated.

~Concerned Consumer c : HUD Consumer Financial Protection Bureau ( CFPB ) Complaint Dept.

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 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I am XXXX years old and can no longer live alone because I have XXXX  XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Company : Meade & Associates , Inc. ( A 3rd party debt collector ) Starting around XX/XX/2018 I began receiving calls from Meade & Associates , Inc . Sometimes they call from the same number, sometimes the number is different. The numbers are as follows.

XXXX ( This one calls the most ) XXXX XXXX All of them leave the same threatening voicemail messages stating if I do not call them back local authorities will be contacted, and I will placed under custody, etc.

This is in relation to a XXXX hospital bill that I have been paying on sending small payments to the hospital itself.

I now receive about 10+ calls a day ( XX/XX/2018 ) from the numbers above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation