vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 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: MO

Complaint narrative:
I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX  Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. I filed a complaint against J G Wentworth and they responded with the same old line of XXXX I have tried for at least a month maybe two to get them to release the tapes that they say they have of the conversations between XXXX XXXX and myself about the loan application. On my first call to JGW I told XXXX of the situation that came up between JGW and my wifes loan with the company. She had an intestinal blockage and had to have XXXX XXXX and was in the hospital for about 10 days. In order to pay the mortgage I instituted a XXXX ( i thought ) with JGW to automatically draft my account for the payment. They did not take the payment because they said the payment was past due. I never heard from JGW that this was not in place. I was tending to my wife that almost XXXX of her blockage. I told him about this on the first conversation we had about a loan for a rental house I wanted to acquire in XXXX TX. I am an XXXX XXXX and knew that this situation needed to be vented before I start spending money on the process. He said no problem so we went forward with the loan application which cost me in the end {$25000.00}. At closing day, I got a call from XXXX telling me that the loan was denied because of the past due payment. ON THE MORNING OF THE CLOSING. Just a week before he said that he was 100 % sure that the loan would close the following Monday. Well it did not. 

I also need the tape or transcript from my conversation with a XXXX XXXX who I talked to and made the payments through to JGW. I told him the story and he even waived the processing fee. The late payment was reported on my credit report even thou I was not on the loan. 



All of this happened within JGW. My wifes loan on our home is with them. ( the one that was late ) and also the application was to JGW. you would think that they knew what was going on within their own company. 

I have tried to obtain this information from JGW to file  suit for this injustice. They will not tell me anything. Does JGW have the tapes and if so can I get a transcript or the tape so continue my efforts to right a wrong. I have been dealing with XXXX XXXX at JGW. He said that they would do an complete investigation concerning the above situation. All he came back with is that the loan was denied because of the past due payment. My wife and I have never been late on a mortgage payment. We are XXXX and XXXX years old and have owned our own home since we were XXXX. 41 years of paying our obligation to a mortgage company and then I run into JGW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC.
State: MD

Complaint narrative:
In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Innovis
State: NJ

Complaint narrative:
As mentioned in attached FTC Report, Number XXXX, I learnt that XXXX chose to reopen an account that was closed since XXXX. XXXX, XXXX and close it as fraud today. I do not know the reason since I never reported any fraud on the account, as the account was paid fully, in good standing, and I initiated the closure in XXXX. XXXX because I did not want to have a XXXX credit card anymore. Further I never reported any fraud or dispute on the account ending in XXXX ever. So, there is no reason for XXXX to reopen the account without my knowledge to close it as fraud. 

Also, XXXX had reported the account as Paid / Closed, Closed by Consumer as it should be, since the closure on XXXX. XXXX, XXXX. 

Presently, XXXX is probably trying to modify the reporting on the closed account ending in XXXX, please block the modified reporting as it fraud by XXXX. 
I appreciate your assistance with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Thursday, XXXX XXXX, 2017 I began researching options to refinance my auto loan, which is currently with Capital One Auto. I was able to use XXXX XXXX to see who my best options were. I have always been happy with Capital One and was pleased when they were the first option, I went through the pre-qualification process and was approved. I went on to refinance, I signed a new agreement with them, sent my pay stubs, I even was told they 'd be paying off my other loan, etc. I received a congratulatory email and everything. After about an hour I received a call and an email from Capital One with no information other than a request to call them. I called them around XXXX XXXX ( a few mins after receiving this email ). Once I was able to reach someone I was informed that unfortunately, they were revoking my new loan and that Capital One Auto could n't refinance their own loans. I questioned why the website not only allowed me to even apply after I entered all of my information, including my Capital One Account number but went as far as to approve me and have me sign a new contract. The representative apologized and said " There is a checklist on the first page that states you do n't qualify if you have a Capital One Account ''. I argued, as I printed all of these pages out ; however, I did n't have them in front of me to be certain. I asked that Capital One, under the circumstances, would remove the hard inquiry reported on my credit report as I would now have to look for a new refinancing option. The representative told me no. I pre-qualified, which is the only reason I moved forward with the credit check. This morning I searched the Capital One website for over 30 minutes and did not find ANYTHING that notified a customer that if they had an existing account, they did not qualify. I feel as though the hard inquiry needs to be removed as I agreed to it under false pretenses. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen is reporting late payments to the credit reporting agencies when our mortgage loan with Owen is under a Federally Declared Disaster ( FDD ) program. During the FDD program period, our loan is set up on a forbearance payment plan effective XXXX XXXX, XXXX through XXXX XXXX, XXXX. During the FDD period we are not required to remit any payments from XXXX XXXX, XXXX to XXXX XXXX, XXXX. During the FDD period, Ocwen was not supposed to submit any derogatory credit reporting while the loan is on the disaster area assistance forbearance plan. 

I submitted a complain to Ocwen regarding the adverse credit reporting during the FDD program period. Ocwen responded with a letter dated XXXX XXXX, XXXX, confirming that there should have been no late payment reporting during the above mentioned timeframe. 

However, as of XXXX XXXX, XXXX, Ocwen is still reporting late payments to the credit reporting agencies. I sent letters to all three credit reporting agencies disputing the negative credit reporting activity from Owen during the FDD program period and attached the letter I received from Ocwen stating that they should not have done so. 

I have received two alerts from XXXX credit monitoring informing me that my credit score wend down for the singular reason that Ocwen is reporting late payments during the Federally Declared Disaster ( FDD ) program period, even after receiving I received a letter from Ocwen stating they should not and would not submit any derogatory credit reporting during the forbearance plan period. 

I submitted a prior complaint regarding Ocwen 's corporate behavior previously. I have worked in XXXX XXXX for 19 years and I must tell you, Ocwen is the worst corporate citizen I 've ever encountered. Every attempt I have made to work with Ocwen has been a nightmare. This company 's handling of client service matters is adversarial. It drives me crazy to hear their phone message say " Ocwen - where helping customers is what we do. '' It 's a bogus claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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:
I filed a request to correct 1. Account appearing inaccurately on XXXX and XXXX. XXXX XXXX fixed it in days equifax hasnt fixed it and their status page wont load because of errors on the page. So I cant check on what they found or concluded and they dont reach out with an update.
2. The last time I found errors I had to email the ceo to get any attention but it would be nice if they made sure the information was right or would correct it themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Schreiber Law LLC
State: CT

Complaint narrative:
I had received paperwork by mail in XXXX XXXX regarding a debt owed, and this company Schreiber, Cohen LLC was the firm hired by XXXX XXXX XXXX XXXX to collect via State of CT Superior Court small claims. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX, XXXX was included on the bankruptcy petition, and notified. Schreiber Cohen LLC was also notified of this action. The bankruptcy was discharged on XXXX/XXXX/XXXX. I received communications from State of CT Superior Court regarding this case on XXXX/XXXX/XXXX, it was a notice that a hearing was scheduled for damages on XXXX/XXXX/XXXX XXXX. I contacted the clerk on XXXX/XXXX/XXXX approx. XXXX XXXX to let them know this was a discharged debt  and what do I do? The clerks office told me to contact Schreiber Cohen LLC, XXXX. I called them on XXXX/XXXX/XXXX @ XXXX XXXX and spoke to XXXX XXXX ( sp? ) explained the above to him in detail and he said this would all be cleared up. Yesterday XXXX/XXXX/XXXX I received another notice from State of CT Superior Court that a default was entered against me because I had not filed an answer to this proceeding which I was assured would be cleared up by XXXX @ Schreiber Cohen LLC. I am extremely upset as to how a company that was notified months ago can still try to pursue litigation?????? I am beyond stressed, and can not lose time from work to try to rectify this myself nor should I have to, this company needs to be held responsible for their pure disregard to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX IL has reported monthly that I am late with my payments. I want this removed from my Experian report. I am in a chapter XXXX bankruptcy and XXXX XXXX is in my package to be paid thru the trustee. I have several other accounts listed in my XXXX and no won else has reported negatively on my credit report. You know why because it 's against the law to report negatively when your listed in a chapter 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 2017-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I have disputed the validity of this medical bill on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and in XXXX directly with Alliance. I have also disputed with all the credit bureaus. Alliance have failed to provide me with physical evidence bearing my signature as requested. They only provided me with a generic bill not an original statement from the creditor. I have not contract with Alliance agreeing  to pay them but yet they have ignored my numerous request to provide me proof. They mailed me a verification letter of my name and address which is not what I requested. I would like them to remove this account from my credit reports as this is causing damage for me to obtain credit.

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 2017-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems
State: SC

Complaint narrative:
Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on XXXX/XXXX/2017 in several different amounts for this noted date. Amount # 1 : {$29.00} Amount # 2 : {$120.00} Amount # 3 : {$26.00} Amount # 4 : {$120.00} & Amount # :5 {$200.00}. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this company via telephone & informed the rep that I sent out letters requesting validation & informed him that these debts were not valid. The individual attempted to still collect a debt after I informed him multiple times during the call that the debt did not belong to me & that it was IMPERATIVE they removed these debts from my credit report. I then contacted XXXX & XXXX via certied letters requesting that the debt be validated or deleted. In response I received correspondence stating that the debt was validated but there was no proof of validation as requested. Which in turn I sent a second round of letter to both the credit bureaus & the debt collector to attempt to resolve this matter. Financial Data Systems then sent an update to all credit bureaus on XXXX/XXXX/2017 causing an additional major hit to my credit. Financial Data Systems Inc is not licensed or authorized in the state of South Carolina to collect on any debt. Their license has been considered dissolved which means it is not legal for them to practice debt collection in the state of South Carolina. So I do not understand why this company is attempting to collect on debt especially debt that does not belong to me. I have exhausted all of my options as an attempt to reach a resolve in getting this debt removed off of my credit report with all 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 2017-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. TransUnion, XXXX and XXXX keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff again.

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