vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This information is incorrect, and by law is required to be removed however experian has not done so. 
I have spoken with XXXX XXXX XXXX the creditors payment solution dept whom admits the information is incorrect. This incorrect information was removed from other credit reporting agencies yet remains on the experian reports a a negative factor. Per experian staff this case has been investigated, if this was true then why has n't experian abided by the law and removed wrong information from my credit report. Due to experians unlawful reporting of incorrect information on my credit report my ability to obtain credit and or receive the appropriate interest rates have been negatively impacted. 
I want this resolved expeditiously by removing the information from my credit report. 

credit report s proved to be a very

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Every month I have to file a dispute with XXXX and experian they do an investigation and then remove XXXX from my report. The next month it 's added back to it. I have sent information that this is n't mine and I have sent a letter of debt verification to XXXX asking for verification that its mine. They have yet to respond and its been at least 60 days. I 'm tired of it popping back up it drops my score over 100 pts every time it shows up.

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 2015-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute some scary errors on my credit report. I have written many times, to the XXXX credit reporting agencies about these errors -- eventually legally changing my name, twice, to make it impossible to mistake me with my mother and sister, who shared the same addresses and names. I was born, XXXX XXXX, my mother changed my name by adding her last name, changing it to XXXX XXXX, and presently, my name is XXXX XXXX. I changed my name because my mother and I shared the same name and our accounts where considered one. 

Today, I am writing because it seems Experian believes, my previous name, XXXX XXXX, and my new name, XXXX XXXX, belong to XXXX different people, although the same social is used, and I have provided documentation of the name change. Experian 's record of XXXX XXXX does not match with the report that has my previous name. The XXXX XXXX report does not have the same errors I have disputed in the past, but they do not show my previous names : XXXX XXXX, and XXXX XXXX or include my past addresses:1. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXThe credit report under my previous name, XXXX XXXX, which they sent along with the XXXX XXXX report, has all the incorrect address I have disputed in the past and incorrectly adds a " Spouse or co-applicant : XXXX, which needs to be removed, as I am not married. '' These addresses must be removed from my XXXX XXXX record:XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( This address belongs to my sister, XXXX XXXX-I have never lived there ) XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ( I have never lived here ) My phone number is ( XXXX ) XXXX -- the other numbers do not belong to me and must be deleted. 

I need my credit report to connect my XXXX names into XXXX account, so that it does not seem like we are XXXX people, XXXX with errors and the other XXXX missing vital information. I have changed my name, but my information is not different from one name to another, they only change has been to my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX Bank, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XX/XX/2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

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 2017-02-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
i contacted walmart and the manager there said she would send me a letter stating that this account can be deleted from my credit bureau but now they are saying they can not do that even though they did send me a letter saying that the account can be deleted so XXXX credit agency contated them to dispute it and awalamrt is saying no it can not be deleted but i do have the letter from walmart stating that it can be deleted im furious i need this item to be deleted so i can get my apartment waith my kids

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a credit card ID XXXX for creditor Capital One Bank, I am a victim of ID Theft and have had a fraud alert on my credit files since XX/XX/XXXX/XX/XX/XXXX. Being that I am working on my credit, I was turned down from Capital One. I make {$30000.00} for the year when I checked with my credit file I have what is considered negative accounts. On there are closed accounts because they were consolidated into XXXX account with XXXX. I do not know if the person from Capital One can see the consolidation. My score is XXXX from XXXX, when I try to call back I am being offered to apply again instead of looking into the first application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ

Complaint narrative:
Went to see my doctor and asked for certain type of XXXX for a procedure that it should of been covered by my medical plan. a month later I get a bill in the mail from the doctors office and the XXXX company. after several attempts with the doctors office they realized that it was a first time visit and it should be cover with my insurance plan also the XXXX should of been covered by my plan. they corrected the office visit bill but never corrected with the XXXX. 
I should not be paying for the XXXX bill since I did not requested those additional XXXX. 
my visit and XXXX should be paid by the insurance company in full. the extra XXXX was irrelevant to my procedure. there was no need to have added tests to the XXXX it was required. 
I called the insurance company and put the dr office in a conference call, they were going to call the XXXX to correct the bill and they did not. 

I have an outstanding credit history. I pay my bills on time. However if the bill does not belong to me to pay I will not pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a Retired Military Vet/Federal Personnel who temporarily lost my source of income after becoming injured in the Line of Duty, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to IndyMac ( A Failed Bank ) and XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX regarding my Application/Approval for Residence XXXX Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( XXXX ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX XXXX seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a payment until XX/XX/XXXX. he laid out our apr monthly payment and fees. well we were reported as being late for the month of XX/XX/XXXX and is at risk of being reported late for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the payments are n't our original loan agreement we are subjecting ourselves to being reported as being late for the next three months.so our credit score is going to really suffer. and at this pint there is no way out of this mess. unless we pay XX/XX/XXXX and XX/XX/XXXX in full by the XX/XX/XXXX. meanwhile even though we were struggling because a lost of income we were never ever late to the point that we would be reported to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY IS REPORTING THAT I OWE A DEBT IN THE AMOUNT $XXXX I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genuine Debt Solutions, LLC.
State: CA

Complaint narrative:
i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
yesterday i checked my credit report through XXXX and i found many incorrect informations about me as : 1- My first name 2- My last name 3- My mailing address so i contacted the XXXX '' which is credit report Agency to ask about this wrong informations they told me this informations has been added by : REMEX INC their phone number : XXXX XXXX XXXX their mailing address : XXXX XXXX XXXX XXXX, NJ XXXX -- -- -- -- -- -- -- - they added a collection account to my credit report for service which is i didnt use and i didnt ask for this service ( I didnt use or receive any services from this company the collection account number is : XXXX I didnt authorize them to do this to my credit report, i didnt give them my informations and it didnt use any service from this company before so : 1- I need to know who gived this informations to this agency 2- I need them to delete this incorrect informations from my credit report 3- kindly they have to get this collection account removed from my credit report unless i will have to show up in the court asking for XXXX for each incorrect information they added to my credit report without my autorization

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ). 
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ). 
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. I live in XXXX they are in XXXX they pulled my credit on XXXX day then XXXX time on another day. They sent me back a typed letter just showing my name and info. Nowhere did it show the application and agreement terms explaining where I gave the okay to pull my credit XXXX times. I sent another certified letter explaining this and gave over XXXX days and have heard nothing. I now would like to take action against them. I have attached all corresponding letters with the dispute.

Company response to consumer: Closed with explanation