vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company has deliberately listed my account 30 days late in XX/XX/2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had an American Express personal credit card. I actually had 3 of them. When I began having financial difficulty due to the economy in XXXX, I attempted to contact American Express and asked them to consolidate all three cards so that I might make one payment and it would not be so confusing to have 3 different due dates. They would not do this. As I fell further behind, two of the cards were repeatedly switched to many different collection agencies and it became hard to tell if the people calling were legitimate or not. The card with the highest balance seemed to remain with American Express, not a collection agency. I began trying to pay the other two cards but none of the agencies involved could tell me if the debt would be eliminated if I continued to pay or if I completed the " program ''. So, I stopped paying them. The card that seemed to remain with American Express was not offered to settle. In XXXX of XXXX, I received a call from an " attorney '' who said he represented American Express and wanted to know my situation. I spoke to him and he never offered to settle this debt. Just now, on XX/XX/XXXX, I was " served '' at my door with a lawsuit regarding this card. I question who filed this case and the validity of it because it says the plaintiff is " American Express National Bank ''. Everything I have read says this entity is the branch of American Express that handles their personal savings accounts, not credit cards. I also question this due to the fact that this debt is older and that I have received many seemingly fraudulent sounding phone calls from unverifiable sources and have had someone who said they were American Express debit my checking account for {$270.00} after I specifically called for a cease and desist on any and all payments and collections until verified. Please help me determine if this lawsuit is real or fake. I need to know how to respond and do not want to go through this if it is the actions of an unscrupulous attorney or no attorney at all. In my county, there have been attorneys and/or groups of people who have banded together and pursue collections thinking no one will ever try to verify anything and they will just pay even if time frames have passed and even if credit card companies do not know they are collecting on their behalf. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: GA

Complaint narrative:
Company has deliberately listed my account 30 days late in 2019 when it was not, payment was made XX/XX/XXXX to XXXX balance and company has yet to update report. Requested twice for correct information and company has not updated information to credit agencies hindering mortgage purchase

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Minnesota has a statute,13.016, which provides that a security freeze may be lifted by a person if the person provides any form of information which identifies the person. Notwithstanding this law, Experian will not lift a security freeze unless the person provides information about where that person has lived for the past two years. It enforced this policy in XX/XX/2019 when I sought to lift the security freeze on my credit report temporarily. I have sent Experian the statutory cite and a copy of the statute. It refuses to accept the fact that Minnesota law is different. Where I have lived for the past two years is nobody 's business. I should be able to use my social security number to prove my identity.

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 2019-07-17 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: CO

Complaint narrative:
I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XX/XX/2017 but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX XXXX is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

2. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had XXXX and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

3. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX XXXX XXXX, CO XXXX, and two names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.

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 2019-07-17 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: CO

Complaint narrative:
I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XXXX but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX funding is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

XXXX. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had verizon and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

XXXX. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX Colorado XXXX, CO XXXX, and XXXX names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: GA

Complaint narrative:
In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with XXXX XXXX XXXX and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called XXXX to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XX/XX/2019 I got an alert that XXXX has sent a delinquent alert to Experian and it has been posted on my credit. At this point I feel I have to escalate this situation because XXXX, who assisted in an Identity Theft crime, is now turning to the victim to collect.

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 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We have had a mortgage loan for approximately 35 years. Ocwen became our loan servicing company after acquiring it from XXXX. With XXXX we had an ARM for 2 years at 8.650 % with a 30-year fixed rate following that. With Ocwen, we were told in XXXX of XXXX, that our loan would be going to a variable rate. In XX/XX/XXXX PHH took over for Ocwen, which now holds our loan. In the process of Ocwen/PHH transitioning in as the loan servicing company, our loan has gone from a payment of XXXX to XXXX per month. We have paid our payments on time but according to our credit report, the payments are showing as late. In looking online more into this company we have found this to be the case with many Ocwen/PHH mortgage holders. Please see XXXX XXXX XXXXXXXX. According to this website, 21 states have filed class action lawsuits and have successfully banned Ocwen/PHH from being a loan carrier in their states. ( " In late XXXX of XXXX, 20 states took aim at Ocwen and blocked the company from handling any more mortgages in their states. Massachusetts became the 21st state on XX/XX/XXXX and in XXXX, Texas joined the growing list of states that have said, Enough! to Ocwen foreclosure fraud. '' ) Our credit score has been damaged terribly by them. Our score has gone from XXXX to XXXX. Because this is our only loan and we pay our bills on time, we have a strong belief this is because of this company and the payment we are required to make is crippling us. 

We discovered our credit score within the last 2 weeks as we were applying for a new loan. We received no notice of any kind from them and we are afraid they are going to take our home from us. We have also attempted to contact them but they are not taking calls because " PHH phone system was not working because of a high volume of calls. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: NY

Complaint narrative:
I do not recognize the accounts on my credit report, they are not mine and I have not authorized 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 explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was a customer of XXXX XXXX with Merrill Lynch XXXX, AZ. He has slandered, lied and sought to incur harm on me and my family by spreading false rumors and advertising news of my bankruptcy by communicating to others locally and out of state thereby causing my son to be evicted as XXXX contacted my sons landlord across state lines to evict him in CA through no default under the lease. Additionally, he caused me, my wife and family great irreparable harm in the business community and socially in XXXX by diminishing my reputation to do business in a community I have lived in for 50 years. He is a criminal seeking to destroy me and my family. 
As an employee of Merrill Lynch, this company has attacked me causing substantial financial damage by ruining my reputation and causing the lost of millions of dollars in revenue which I have enjoyed my entire lifetime. This employee of Merrill Lynch should be fired and fined. 

As a former client, this company has sought to damage me and my family. There must be recourse against 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 explanation
Consumer complaint received 2019-07-17 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have duplicates of the same account on my report. one by the original lender and also one by the agency which purchased the account. it is paid off but the original lender replied they sold it but still reports it on my credit report

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 2019-07-17 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: NY

Complaint narrative:
I have been a victim of id theft, I do not recognize the accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I had tried to payoff my loan before it transferred to a new servicer. The total balance was approximately $ XXXX. My Banking online will only issue amounts for up to $ 100K, so I sent 2 payments totaling the the payoff amount. My bank sent the $ XXXX by EFT but sent the $ XXXX payment by check instead. This made the payment take an extra week and was received on XX/XX/XXXX, the date of the transition. The previous bank endorsed the check to the new service provider and requested that it be credited for us. Instead the new service provider returned the check to me, saying that I needed to pay an increased amount of about {$400.00} to payoff the loan. This is a ripoff! 
I can see paying the extra couple of days interest, but by returning my check to me they have increased my costs by hundreds of dollars and made it impossible to pay it off by the date quoted. I can't issue a new payment until my bank can confirm that the check wasn't cashed. This will take weeks. Who has an extra $ XXXX lying around to make a double payment? This results in my being charged interest on the full amount until this mess is cleared up, probably 4-6 weeks. If they had kept the check and credited us with that amount, I could have issued them a 2nd check immediately to pay them in full and minimizing the extra charges. 
They had constructive payment on my account XX/XX/XXXX, but refused the payment costing us an extra 4-6 weeks of unnecessary interest.

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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: TN

Complaint narrative:
THERE IS AN ACCOUNT LISTED ON MY CREDIT REPORT FOR BYL COLLECTION SERVICES IN THE AMOUNT OF {$28.00} ... I DO NOT RECOGNIZE THIS AS MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries.Sent Experian a certified letter via USPS tracking number XXXX XXXX XXXX XXXX XXXX recieved by Experian on XX/XX/XXXX at XXXX XXXX.I included 15 Unauthorized Inquiries I contacted the creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that Experian DELETE these Unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Experian Responded with a letter explaining hard and soft inquiries etc. ( report # XXXX for XX/XX/XXXX ) NO EVIDENCE of any authorization, nor any permissible purpose was given to me .Strangely enough Report Number XXXX Date generated XX/XX/XXXX Unauthorized inquiries were deleted!

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 2019-07-17 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: VA

Complaint narrative:
Both Equifax and XXXX are reporting non-existent " XXXX XXXX XXXX '' on my reports which are totally fabricated and are negatively impacting my credit score. Equifax has been reporting this made up account ( which is a duplicate of my mortgage account as it has the same name and account number ) since 2017 and I have disputed it 8 times by sending certified letters requesting it be removed. Each time, they respond by stating they " Verified the accuracy of this account '', which is impossible. 

XXXX picked this false account up from Equifax late last year. They do not even list an account name or account number, so are reporting a generic account which does not exist. They, too, have refused to remove this after sending multiple dispute letters via certified mail. They are damaging my credit with an account they can not provide a single detail of. 

Both Equifax and XXXX are seriously violating my rights to accurate information in my credit reports per the FCRA. They are also in violation for lying to me about verifying these accounts. They are destroying my reputation, costing me time & money and denying my rights. Nothing I do will stop them. I NEED HELP!

Company response to consumer: Closed with explanation