vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 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: TN

Complaint narrative:
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

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 2017-05-31 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: TN

Complaint narrative:
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

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 2017-05-31 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: TN

Complaint narrative:
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank Of America reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ).  I have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail. Bank of America shows on the report with the telephone  XXXX  and address of Bank of America  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from bank of America Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my reports  ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I woul d not have been  XXXX  in  2004. This  account  XXXX   XXXX  and Bank of America need to be removed for many reasons ans the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
I purchased a lawn mower through   XXXX   on  XX/XX/XXXX  through the   XXXX   XXXX   XXXX   XXXX   program. Put down the deposit needed and was never provided a lease agreement at all in store. I was under the assumption it was like rent to own not lease it forever and pay a arm and leg for it. When I was able to look at my lease through the   XXXX   XXXX   XXXX   XXXX   site I discovered what was explained to me paying it off in 5 months ( per the store ) then I would own it and not have to pay interest, that was wrong. On top of that it was a brand new riding lawn mower that when I got it home found rust on it, I called the store that day and had to go into the store the next day and they were suppose to have it fixed that week by a   XXXX    employee to come to the house and replace the rusted hood, I never got a call so with that I decided to return the item on  XX/XX/XXXX  when I was back in town from work. I got a signed receipt from the store showing they received it and sent   XXXX   XXXX   XXXX   XXXX   a copy of the lease, the return receipt to the store signed by a manager and sent it certified mail. They have called me no less then 5 times since returning it stating that I owe them money. I have provide to them all this information again over the phone and also the certified letter tracking number showing they got it. They called yet again today and have threatened to put this on my credit report and demanding that I go to the store and call them from there. I have talked to supervisors at this business and still getting harassed over something that was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Hello, this is regarding a medical bill debt. I was just informed of  XXXX  debts I owe to Crme financial services. These debts were taken care of to my knowledge in  XXXX . I never received anything to say otherwise and when I did I paid the bills. Moreso crme informed me I still have debts from  XXXX . The statue of limitations is 4 years ... on my credit report it says opened  XXXX   XXXX  and placed in collection  XXXX   XXXX  however I was not notified ever of any outstanding bills with crme.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
I have disputed XXXX on my credit report with XXXX Experian and XXXX multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all three CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX Bank these two were shut down by the federal Government, XXXX XXXX XXXX, and XXXX XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from 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 2017-05-31 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: Merchants Acceptance Corp
State: CA

Complaint narrative:
On  XXXX  .13 I trie d to get a  XXXX  under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the  XXXX  instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact  XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The  XXXX  sales team are frauds that practice fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loans ans not student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ).  The credit bureaus were able to give me that information as well as date opened i n 2004. I  would not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the  most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at leas t 18  times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loa ns ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not g et ANY i nfo from   XXXX   XXXX   XXXX   XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ). The  credit bureaus were able to give me that information as well as date opene d in 2004. I w ould not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the mo st obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected t o (   XXXX   XXXX   XXXX   ). I h ave tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at least 18 times to no avail.   XXXX    XXXX   XXXX  shows on the report with the telephone  XXXX  and address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home lo ans ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not get ANY info from   XXXX   XXXX    XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my re ports ).  The credit bureaus were able to give me that information as well as date opened  in 2004. I w ould not have been  XXXX   in 2004. T his account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reas ons ans  the most obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My attorney and I have been working diligently with the len der ( Ocwen ) to  do a short payoff. Near the   XXXX    o f 2016, th ey agreed to $  XXXX  ... We countered at $  XXXX  because that is what our research shows as the market value for the home which is literally a knock down on the main  XXXX   lane road so on to be  XXXX . This caused them to do anothe r BPO on the property.. It has now been over 3+ months and the lender 's attorney is puzzled why his client ( Ocwen ) is now not responding at all to our negotiations. This has been the norm for this lender over the past 1+ years in tr ying to settle up with them.. Can you help me and my attorney get a response from the lender.. We have email communication from their attorney for the past agreement and we reach out weekly to their attorney with no updates.. I am trying to do the right thing and they are dragging their feet or do n't care at all. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AL

Complaint narrative:
SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO  XXXX  AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

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 2017-05-31 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: AL

Complaint narrative:
SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.

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