vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-06 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: NY

Complaint narrative:
This account has been paid off and it is still showing as a current debt from 2011 as per FCRA requirements this should be closed, this debt is no longer valid

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 2018-10-06 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: Ocwen Financial Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX, we paid off our mortgage loan balance pursuant to the instructions and total payoff amount provided to us by Ocwen, LLC. At the time we were informed that, within the next 3 to 6 months, we would receive paperwork showing that the loan had been satisfied and paid in full.

It has now been OVER ONE YEAR and we have not received any documentation showing the mortgage has in fact been " paid in full, '' or have the deed/title indicating the change in ownership, i.e., its ours. To make matters worse, the loan continues to appear as an outstanding debt on both our individual and joint credit reports at an amount even higher than the payoff amount.

Ocwen failed to fulfill its obligations to us, just as it had throughout the entire time it serviced our mortgage. ( If you so desire, we would be happy to provide you with detailed documentation regarding Ocwens failures dating back to at least XXXX after it acquired our loan from XXXX ). 

For now, we ask your help in directing Ocwen to do what should have been accomplished 6 to 9 months ago : provide documentation/paperwork showing that our mortgage has been paid in full, and remove the mortgage from our credit report ( s ) as an outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from 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 2018-10-06 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: KY

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX-XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/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 2018-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
Hail storm of XX/XX/2018. XXXX issued check for {$21000.00} on XX/XX/2018. payable to me and Round Point. We endorsed said check and sent to Round Point. I was need in funds to replace my roof and to do the rest of the repairs. Forms notarized and sent in. Round Point says one is not legible and sets everything aside. Two weeks go by. Call on the phone, Forever on hold. Given apology. Resubmitted said document.

Finally, Round Point has agreed to release some of the funds ( today is XXXX XXXX ). to pay my poor roofer, who has been waiting for 2 months. 
However, the check which was to pay my roofer, was sent to someone in West Virginia. I was given the XXXX tracking number. We live in Colorado. Response is questionable. 
Working with XXXX XXXX and XXXX XXXX. 
Five months after the hail storm, I have yet to recieve as much as one cent back from Round Point.

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 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2018, the debt collection company known as Portfolio Recovery Associates based out of XXXX XXXX, Nevada spoke with a relative of mine on the telephone about a debt under my name that had been sold to their company for recovery. This relative brought this information up to me this morning, and even quoted the dollar amount owed, and told me the agent asked how she would like to pay today, as if she were me. I have not given anyone authorization to speak with anyone or on behalf of me about any debts under my name. I myself have never spoken to this company about any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: IN

Complaint narrative:
We received a letter from our Bank yesterday ( Friday ) saying that Performant Financial 's subsidiary, XXXX XXXX was going to take money from our bank account. We then tried to call XXXX ; but their offices were closed. The offices won't open again until Monday We have not been contacted by XXXX for anything ; and XXXX has provided not documents showing that any amounts are due that they are trying to collect. 

XXXX is claim that we owe the Indiana Department of Revenue ( " INDOR '' ) ; but we don't owe them anything, and INDOR also has not contacted us nor sent us anything, etc. We don't owe INDOR anything that we know. There is a break-down of due process. 

XXXX XXXX actions seem to violate the FDCPA, and other laws ; including Indiana laws. XXXX seems to be engaged in Unfair, deceptive and abusive business practices. As senior citizens ; we feel that XXXX to trying to pull one over on us.

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 2018-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Yesterday, I went to the Cash Store to see XXXX XXXX who is a manager.She was not willing to change date of payment. I told her I have another loan in same day each of monthly. I will have to pay {$65.00} to the Cash Store every month but my main concern they are rip off {$65.00} is too much. I loaned {$190.00} it should be low payment installment. She was refused to move payment XX/XX/XXXX instead of XX/XX/XXXX.But I would still refuse to pay to due XX/XX/XXXX until we agreed. 
Other guy employee said first month to pay {$65.00} then second monthly will be reduce {$58.00} but I did not understand why XXXX was not aware of this. 
I will address to the U.S.Senator office and contact FTC. Loan payment too higher might be not appropriate. 
I will contact you on Monday or Tuesday. 
Ps. I will request make a copy document from Cash Store next week.

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 2018-10-06 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: WI

Complaint narrative:
Over the years I have disputed that the payment history on my student loans was being reporting inaccurately. There are several months reported as late when they should not have. During the period reporting as late, XX/XX/XXXX-XX/XX/XXXX, I was granted a forbearance which covered the payments and removed my obligation to repay the loans for those months. Despite making an arrangement with XXXX  which removed my obligation to pay, the payments are still reporting as late.If I had no obligation to repay, then there is no way a late payment can be accurate. In XX/XX/XXXX- XX/XX/XXXX they reported my loans the same way despite having an arrangement which removed my obligation to make payments during the time frame. I am unable to dispute this information with creidit bureaus directly online for some reason. These erroneous entries are affecting my ability to obtain necessary financing for essential purchases which contribute to my ability to earn a living. I requested a copy of my approved forbearance requests but only received information for XX/XX/XXXX-XX/XX/XXXX. I will be making a second request for the forbearance transcript from 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 2018-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately! 

Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Someone keeps trying to apply for a chase card in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ND

Complaint narrative:
Trans World Systems has been posting a delinquent debt. They indicated on my credit report that I owed XXXX XXXX about {$85.00}. I received no notice of this debt, and thought when I moved all my debts were settled. I called XXXX and requested validation of the debt in the form of a final bill, last XX/XX/XXXX. None came. This again poped up on my credit notifications, so again, I reached out to XXXX XXXX, and after much discussion, I believed the explanation that I owed them money. They switched systems and a supervisor sent me validation. I paid the roughly {$85.00} owed via check to XXXX 3 weeks ago. I called TransWorld and they had no record of the debt using my account number with XXXX XXXX. I no longer owe this debt. It keeps posting as a new delinquency on my credit report and it is harming my ability to borrow money at reasonsble rates. Please ask them to stop, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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: WI

Complaint narrative:
I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 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:
In XX/XX/XXXX, someone attempted to add themselves to one of my credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with XXXX/XXXX which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, Experian will not remove the account after twice providing details to them. I put a credit freeze with Experian since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, someone attempted to add themselves to one of my  credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with CBNA/XXXX, which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, XXXX will not remove the account after twice providing details to them. I put a credit freeze with XXXX since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
Hello, I contacted this company to pay over the phone but the representative would not allow me to do so. I then received a notification in the mail that I 30 days to pay a bill from a debt collection that I have been trying to pay for over 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
XX/XX/2018 This started all on XX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. 

I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. 

Levy Law Firm is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! 

I've called Levy Law Firm every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call Levy Law Firm every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. 

They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Tracking number XXXX XX/XX/2018 transfer amount {$170.00} USD Total pay in cash {$180.00} exchange rate XXXX XXXX Tranfer amount XXXX XXXX Western Union has yet to correct the convertion mistake they made and are requiring I pay more money for them to correct their mistake. I have called several times and emailed all requested documents proving the failure to convert the correct amount. Several cases have been created to in attempt to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Failure of XXXX XXXX XXXX to respond to documentation submitted dozens of times for a modification agreement. Failure of same company to provide me with the actual mortgage holder, the home insurance company or the coverage in place despite several requests.

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 2018-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX/XXXX XXXX # XXXX I do not wish to open a dispute on this account, I would just like for the information linked to this account to be updated/corrected accordingly. Ive attached documentation to support my claim that this account should so no late marks. I submitted a goodwill letter to the original credit to have them adjust and remove the 30 day late payment. XXXX has successfully updated this account, but XXXX and XXXX  have 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