vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I called the company again today after a 40 minute hold. I let the company know that they blocked my from paying online and by phone. I also informed the operator that they sent me COVID 19 paperwork with the incorrect amount listed. Stating that I would owe of {$11000.00} or more which is an EGREGIOUS mathematical error. After informing the operator, she began to be rude and hostile. I told her that I would not tolerate that attitude and requested to be transferred to the US branch. At that point the operator hung up on me. 

I REQUEST again that XXXX, the worst account manager in this company be removed from my account. Also, " XXXX '' who hung up on me. 

Then I called back a 3rd time to hear " XXXX '' tell me how highly trained his department is so I got another opportunity to ask up to 5 times to be transferred. 

This company is XXXX ... UNPROFESSIONAL and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
DSNB MACYS XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX   XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a victim of Identity Theft and have been harrassed by XXXX XXXX for over 2 years of trying to dispute this issue. They are collecting for Capital One account that was opening fraudulently. Each time I spent hours on the phone with a XXXX XXXX associate just to be contacted again the following day by another XXXX XXXX XXXX to say they have no record of the call i had the day before - this happening over and over again for the past 2 years. They are a terrible collections company that does not file any paperwork appropriately. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Last year we completed a loan modification with Mr. Cooper. Prior to the loan modification we would receive usually 1-2 calls a week regarding when we would be making our payment. We weren't late, they just called to find out when to expect payment. Since we completed the loan modification we are now receiving 1-4 calls per day Monday thru Saturday starting as early as XXXX : XXXX. I have asked them to not call as frequently as I am still not late with the monthly payment, but they continue to call 1-4 times daily. I have a record of their calls from my home phone that I have placed on a spread sheet to show day, time and phone number of caller. It isn't usually the same person, calling it varies. These calls continue until I finally make the payment usually around the XXXX of the month. Still not late until the XXXX of the month. Is it legal for them to call us 1-4 times per day asking when to expect payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a small business XXXX XXXX with Bank of America. On XX/XX/20 I notices a daily stream on unauthorized purchases beginning on XX/XX/20 from " XXXX ; According to the XXXX XXXX XXXX this entity has nothng to do with law enforcement. 

Bank of America claimed to have launched a fraud claim. However, they will not provide an acknowledgement or indicate what if anything they will do in the meantime. Several customer service representatives and a supervisor have told me that they have 90 days to conduct an investigation and will not contact me in the interim. 

The last representative told me that this was their internal policy and that I could " XXXX '' the bank 's responsibilities on the law. I was also told that there have been a " rash '' of these complaints. 

I have not done anything wrong. I carry my credit card in a WPPL blocking sleve. I do not cache this card on any on-one internet site. How did they get my information and how can I protect myself if the bank won't act for 90 days. 

This policy can not stand and I need immediate relieve.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX  accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return XXXX XXXX said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. XXXX XXXX sold this inaccurate account to Portfolio Recovery Associates. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
Portfolio Recovery Associates will not stop reporting this fraudulent and inaccurate account. XXXX XXXX will not send me the letter stating they released this debt over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
COAF ran my credit ( XXXX  ) 3 times on XX/XX/2019, once on XX/XX/2019, once on XX/XX/2019 and 4 times on XX/XX/2019. I have spoken with XXXX and they arent helping me at all. The rep told me she was only submitting my app to XXXX auto finance only. I did not authorize COAF to run my credit this many times. These inquiries have put a ding in my credit and now Im having issues trying to get pre approved for a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NV

Complaint narrative:
ftc violations attached

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 2020-04-14 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: NV

Complaint narrative:
ftc violations attached

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 2020-04-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX  XX/XX/XXXX {$1800.00} JMPCB CARD XX/XX/XXXX {$1300.00} JMPCB CARD XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolia file sue. the Judge entered a order of dismissal. They refused to remove from my credit report. It has been three years even after many attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Midwest Recovery Systems
State: AL

Complaint narrative:
I have a collection on my credit report for a payday loan through MIDWEST RECOVERY SYSTEMS. This collection account was put on my credit report on XX/XX/XXXX, although I have never had a payday loan on my credit report. The collection agency states the account was closed in XXXX in my name. I have never had a payday loan and do not even know how they operate. I tried to dispute it with the collection agency and they say there is no way they I can contact XXXX XXXX because the account was closed in XXXX. I have NEVER received any bills from either MIDWEST RECOVERY SYSTEMS or XXXX XXXX Their is just a random collection sitting on my credit report. I have a 100 % payment history that spans 10 years and this is a major issue I want resolved quickly. Their number is ( XXXX ) XXXX BTW, this is what the " address '' of XXXX XXXX  looks like XXXX : XXXX? XXXX & XXXX! XXXX! XXXX! XXXX! XXXX % XXXX, XXXX % XXXX? XXXX % XXXX! XXXX & XXXX! XXXX! XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: MD

Complaint narrative:
During the month of XX/XX/2020 my Equifax credit score was XXXX. On XX/XX/2020 my score dropped to XXXX. The only change on my report between XXXX and XXXX was a decrease of a {$340.00} on a car loan balance and {$160.00} decrease on a home equity loan both of which increased my credit score on my XXXX  report. 

On XX/XX/XXXX my Equifax score went down an additon 15 points. This changes to my credit report this time included a credit card balance increase of {$870.00}, a hard inquiry I submitted an application to refinance my mortage decreases of a couple hundred dollars and car loan decrease of {$330.00}. 

My XXXX  credit score is XXXX. My XXXX  score is XXXX. 

My XXXX, XXXX  and Equifax credit reports have the same accounts and same information. When I called Equifax to obtain the reason why my score dropped 50 points in XXXX he representative said it was due to my credit report. I attempted to explain to her that my score should not drop 50 plus points when my balances decrease. I asked to speak with a supervisor and was disconnected. 

I understand the XXXX decrease of 15 points but the XXXX decrease of 50 points does not make sense. The significant differences in my credit scores has impacted the number of points mortgage companies are requesting to refinance my loans. I have worked really hard to manage my finances so that I can have a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA I recently submitted an Affidavit ( sworn testimony ) to EOS CCA to validate an alleged debt. In my sworn testimony ( attached ) I asked that they provide documents to validate this debt as well as a FULL accounting to prove the accuracy of the amount they are alleging to be owed. Their response ( attached ) does not meet the standards of validation or provide enough accounting to " verify '' the amount they are alleging.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NV

Complaint narrative:
opted out dont to report to XXXXXXXX XXXX ftc violations

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 2020-04-14 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: OH

Complaint narrative:
Sister information is showing up on my Equifax Report. XXXX 's Social Security Number is  1 digit different from mine which is causing a mix-up. Equifax will not fix this issue. 
No action was taken by the company. Called multiple times submitted disputes, this has been a problem for years and continues to be a problem. 
These are the credit errors XXXX XXXX Mulitple Accounts {$130.00} {$170.00} {$480.00} XXXX XXXX- {$3100.00} XXXX XXXX {$3600.00} XXXX XXXX XXXX- {$21000.00} XXXX XXXX Mulitple accounts {$1600.00} {$820.00} {$790.00} XXXX XXXX- {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: LEXISNEXIS
State: NV

Complaint narrative:
opted out dont to report to lexis nexis ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NV

Complaint narrative:
opted out dont to report to XXXX XXXX ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one Bank accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return Capital One said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. Capital One sold this inaccurate account to XXXX XXXX XXXX. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
XXXX XXXX XXXX will not stop reporting this fraudulent and inaccurate account. Capital One will not send me the letter stating they released this debt over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Dear Investigator, Thank you for taking your time to help me resolve this problem. 
Background : Prior to XXXX XXXX - Contacted by fraudster claiming to be XXXX XXXX. They left a message, I did not return the phone call and contacted XXXX, they confirmed it was fraud, I took no further action. 
XX/XX/XXXX - I received a letter from XXXX XXXX  notifying me that a CC application had been submitted with my name and SSN. This was fraud. I contacted XXXX XXXX and they cancelled the request and suggested I call Experian and have a Fraud Alert placed on my credit report. I did as instructed. 
The Problem - There is not a person I was able to speak to at Experian. The automated system is unwieldy, confusing and unhelpful. No matter how hard I tried, I was unable to put a Fraud Alert on my credit report. Instead the automated system put a Freeze on my Credit. I do not want a Freeze on my credit. The automated system gave me pin number very rapidly and the signal broke up. I was unable to write down that number or even hear most of it. I was unable to get the automated system to repeat the number. Now my credit is frozen and I have no way to unfreeze it. 
The Damage - I am not longer a citizen with the right to finance a car, home, education, or short term loan for emergencies or entrepreneurial opportunity. The damage that I have experienced is significant and I see no way to rectify this for the rest of my life if I can not speak to a person at Experian. The credit reporting agencies should be required to have personnel available to answer the phone so that the agencies do not strip citizens of their right to have credit with no fault of the citizen.

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 2020-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I just learned that dual tracking from the mortgage company and that exactly what they did to me. 
Midland mortgage was telling me on every call that i could make a payment and it would postpone the foreclosure as long as i was making a payment. Yet, i was still given a sheriffs sale date. I would call them no less than once a week. I had to leave my home. I can not undo what midland did but they should be forced to remove the foreclosure from my report so i can buy another home. Do i have legal recourse for what they did?

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There is an outstanding debt on my XXXX  XXXX report that has been paid. It is from TD Bank. I have documentation from TD Bank that the outstanding debt has been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Checked my credit report on XXXX XXXX. Found two NEW accounts listed as New Account XXXX XXXX XX/XX/XXXX. This information is being reported by Commonwealth Financial Systems of XXXX XXXX, PA. I called and was told that these two accounts stem from two XX/XX/XXXX collection bills yet they are being reported NEW as of XX/XX/XXXX. This is an attempt to re-age this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
on XXXX the XXXX we received in writing a letter the TD Auto Finances account number XXXX grant you an payment extension for the Covid 19 TD Auto Finance did not comply with the extension he deduct the money from our account bank you can reach me at XXXX or send me a email to send copy of the letter my name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge

Company response to consumer: Closed with explanation