vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: LA

Complaint narrative:
Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..TXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I bought my home XXXX. I had been paying for years. I had a XXXX XXXX. I XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX for more than 18mthS. In XXXX the services stopped accepting my payments. They first tried to disclose in XXXX last year stating I didn't sign a document they were denied then they went for I abandoned my property while I was still on it. I could have filed bankruptcy or homestead but I wasn't cognitively aware is there anything I can do? They took all my possessions as well. I know why I wrote a letter ib XXXX to Homeland security director and I named dropped I the owner of XXXX who bought my note I. XXXX stopped reporting me to the credit bureaus that didn't matter bcuz I could noy make them is wasn't until I had brain injury was he able to get his revenge. Is there anything I can do not about his revenge but my home and posseasions. XXXX and scared. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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 2019-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clearview Resolution Services
State: CA

Complaint narrative:
I have already been paying off my loan with a debt management plan. I was not made aware that it was sold off. The debt management company has still been sending the checks to the original creditor and they have been cashing the checks and not forwarding the money to the debt collector in which they sold the account to. The person who contacted me harassed my family members and claimed that I was to be sued if I didnt pay by visa or prepaid card. He also read off my complete social security number. He said he was in contact with the lawyers from XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NY

Complaint narrative:
im am writing in regards to transunion reporting inaccurate information on my credit report. i have no acknowledge of the XXXX XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA..failure to comply with this complaint will result in a lawsuit in smalll claims court.ive already contacted a consumer protection lawyer who will be dealing with 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 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 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 2019-02-14 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: MO

Complaint narrative:
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 Account 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 non-monetary relief
Consumer complaint received 2019-02-14 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: MO

Complaint narrative:
The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}

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 2019-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VIP Mortgage Inc.
State: TX

Complaint narrative:
VIP mortgage XXXX XXXX run my credit before informing me and cause my score to drop to point whereas I have to wait to purchase a home. XXXX call me concerning what he had did, I ask him why didn't he tell me, cause I never gave him permission to do this. XXXX said u gave me permission to run your credit, the form stated once type in your password that gave me permission, then he went on to say it tell you that in info, that why you need to read info in a very sarcastic way. I told him it didn '' t say that and that when he slammed his phone down in my face

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: MO

Complaint narrative:
The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) XXXX XXXX  {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: MO

Complaint narrative:
The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}

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 2019-02-14 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 — Investigation took more than 30 days
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure WITHIN the required 30-day period and did not furnish the credit bureaus with the required disclosure, WITHIN the period required by law. I have retained a COPY of their signature and DATE of receipt, as well as a TIME-STAMPED copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 )  and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action )  on their behalf will result in a small claims action against their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CITIBANK, N.A.
State: HI

Complaint narrative:
When I tried to purchase tickets on XX/XX/10, this AA credit card offer showed up. It showed that I would get additional miles and {$200.00} credit. When I receive the statement, there was no credit applied and no additional miles were received. Citi is committing fraud asking customers to open card and then coming up with excuses not to apply credit. 

See the attached for the offer that showed to me and other consumers. It's wrong!

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 2019-02-14 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a Discover Student credit card but was not immediately given an approval or denial decision and never received any correspondence via phone, mail or email. I just started college and applied so I could have a card to help pay for my tuition so this would've been my 1st credit card. As I was checking XXXX XXXX one day I noticed a Discover account on my report and it has a balance of {$2100.00}! I never received a card but someone obviously does. I would love to have a credit card with Discover but not one with a balance that I am not responsible for. No one was at my home XXXX of the time during XXXX and XX/XX/2018 and we have several missing mail pieces during that time. I have no credit but now because of this card I have bad credit as a result of fraudulent charges that need to be removed asap. Please help me get this fraudulent account removed from my credit reports. Additionally, Discover has contacted family members and discussed this account with them without my approval. One person that they called couldn't even verify any of my account information and Discover still told them everything about the account. I see now how easy it must have been for the criminals that ran up these charges. I filed a FTC Identity Theft Report on XX/XX/2018 and the report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company has failed to respond to the fact that they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I demand DELETION of this derogatory account from my credit file ( s ) with any or all credit agencies ( XXXX, XXXX, XXXX ). As this company has violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now REMOVE the item they are currently reporting. Any other action ( or in-action ) on their behalf will result in a small claims action against their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NC

Complaint narrative:
There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXX XXXX XXXX  reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NC

Complaint narrative:
There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXXXXXX XXXX XXXX reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!

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 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Complaint # XXXX has been closed. 

I would like to re-open this case. 

Re-cap : XX/XX/2018, I paid my XX/XX/2018 mortgage. 
And added some to apply to principal. 

Di-Tech mismanaged the payment and applied 100 % to the principal. 
And wanted a 2nd payment to cover the XX/XX/XXXX bill. 
PLUS a late fee that should have never been issued. 

Di-Tech never admitted to the making a mistake but sent the late fee to me in the form of a check. {$35.00}. 
They referred to as WAIVING THE FEE. 
It should have been referred to as a REVERSAL. 

FAST FORWARD TO TODAY : They stopped-payment on the check!!!! 
AND, My bank reversed the deposit! 
AND, My bank is charging me {$12.00} for the inconvenience. 

I'm requesting a cashier 's check for both amounts AND an apology for all of their mistakes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have filed several disputes with XXXX, XXXX, XXXX and CFPB regarding Toyota Financial Services inability or refusal to report my payments accurately. Each time I file a dispute/complaint they remove on time payments from my report and they now say no data. This has greatly impacted my credit history and score. At this point, it feel retaliatory. Across the three major reports XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 on time payments are not being reported with variances. Some reports have three payments missing and some have 2. They sent a long letter a list of payments of my last complaint and that still is not fully resolved. The same situation exists. Across the three reports, they have different two months reporting late between XX/XX/XXXX and XX/XX/XXXX or XX/XX/XXXX and XX/XX/2018. As I stated, I feel that this is retaliatory. Ive have contacted them directly and filed numerous disputes over several months. It is exhausting and time consuming. More importantly, it is adversely impacting my other credit. Account limits have been decreased or I can not move toward a goal due to score not being reflected properly for missing payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I do believe that my credit reports are unjust. I have 5 active creditors. And as upset as they are. I have every intention to pay them back. I have been going through a financial hardship. As we all do sometimes. However I am working with a legal team to resolve this debt. XXXX  XXXX XXXX. I do have an active account with them to resolve the situation. I have been working with them since XX/XX/2018. And I have enough funds to pay off four of the debts. It may take me another two more years to pay off the larger one. I have been asking them to work with me at this time. And I just want people to be aware of the fact that I am working hard to resolve this debt. Thank you for your time. I do appreciate it. Sincerely, 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