vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
" 60 Days Late '' reported in XX/XX/XXXX on my Credit Report is incorrect. 

After Hurricane Irma that passed through XXXX Florida in XX/XX/XXXX, banks were offering homeowners " Federally Declared Disaster Forbearance '' on their mortgages and Ocwen Loan Servicing, LLC was included. Upon my request, Ocwen deferred my mortgage payments for XXXX, XXXX, and XX/XX/XXXX, until XX/XX/XXXX. As requested by Ocwen, I started making my mortgage payments on XX/XX/XXXX and continued monthly until present. During the interim, in XX/XX/XXXX, Ocwen instructed me to complete a request for a loan modification which wasn't approved until XX/XX/XXXX. However, I did not like the terms of the modification so I declined to sign it. On XX/XX/XXXX an Ocwen 's relationship manager then requested full payment of the outstanding balance of {$7100.00} which was the deferred monthly payments for XXXX, XXXX and XX/XX/XXXX. I felt that Ocwen demanded the 3-months "  deferred '' payment in full due to my declination to sign their modification agreement. On XX/XX/XXXX I paid the {$7100.00} to Ocwen bringing my mortgage account current. 
After requesting and reviewing my credit report, I saw that Ocwen had negatively reported false data to the Credit Bureaus. Based on the Forbearance Agreement approved by Ocwen, those three months " deferred '' payments should not have been reported as late payments. That Forbearance Agreement should still stand whether or not I accepted their Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: NC

Complaint narrative:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX  XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX  XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: NC

Complaint narrative:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: NC

Complaint narrative:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX   damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I have been making payments through the entire deferment stage. On XX/XX/2017 I called American Education Sercive ( AES ) to share that I made a payment on a deferred loan on XX/XX/XXXX. My deferment ends in XX/XX/XXXX. I asked, " How was the payment used, that I have a loan payment due and an interest rate payment due in XX/XX/XXXX. " ( See attachments ) XXXX employee number XXXX shared that the payment was not used to pay the interest rate that is due but placed on the unsubsidized accounts. I asked if there was an online format to pay the interest to prevent the addition to the principle and was told no. When asked if there was a way to have the payment applied I was told to send a letter. I asked if I should send a payment with the letter and it was repeated to send just a letter. The pleasant tone diminished when asked why a format does not exist online to pay the interest to prevent having an additional amount accrued to the principle and should I not send a payment with the letter? I was then told, yes send the document that says that " this is not a bill '' and to add a letter to ask that the amount sent in the mail should be applied to the interest. This mode of payment is not transparent when looking through the website. I was then asked if there was anything further that I needed and when responding no, the conversation ended. The site has a makeover, but no format to prevent the interest from being added to the principal when the loan comes out of deferment. I am working to pay off the loan and have the only option of the snail mail version without feedback. I do not see where I would receive notification that this payment was made unless I check my checking account for the canceled check and to double check the accounts to make sure that the balance does not have an increase. There should be a more effective way for this portion of payment when returning from a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XX/XX/2018 amount XXXX XXXX this debt is not mine, i have contacted the collection company asking them to verify this with a signed document and i have received NOTHING that proves these accounts are mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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:
EXPERIAN will not permit the following accounts to be disputed online.They are automatically rejected for any reason whatsoever including " acct. closed '' or " too old to be on file '' .WHEN speaking to XXXX. IN XXXX, TEXAS the employees are disrespectful, can not find documents that have been presented to the CFPB against Experian and seem limited in their ability to help me because I have not sued them in civil court yet and therefor I'm not assigned there..When calling EXPERIAN regular customer service the employees are so stupid they do not understand their own business jargon that is included in this complaint. 
The following accounts have DOFD 's that are not accurate ; inaccurate according the the FCRA definition of DOFD.They qualify for early exclusion.They are XXXX XXXX XXXX, XXXX coll. in amt of {$1500.00}, XXXX XXXX  XXXX XXXX. in the amt. of {$620.00}, XXXX XXXX XXXX XXXX, XXXX. IN THE AMT OF {$1100.00}, and finally XXXX XXXX XXXX in the amt of {$1300.00}. 

XXXX XXXX XXXX XXXX, XXXX is an account whose DOFD has been illegally re-aged by 4.5 months and although Experian possess proof to that fact they refuse to act on the proof they possess including certified court documents that would cause a financial loss for Experian and their subscriber should the documents be judicially noticed evidence in the possible future case. Will Experian continue to be ignorant and stubborn, not sending this to their legal dept who would agree with me upon 5 minutes of observation of the evidence submitted numerous times to Experian in recent months? 
XXXX XXXX XXXX XXXX 's original creditor tried to settle for {$100.00} but the fact was that the settlement was required to be XXXX dollars by the CALIFORNIA IMPLIED WARRANTY LAWS. 
XXXX XXXX, XXXX, A COLLECTOR AGENT for XXXX XXXX whose debt was previously deleted by Experian appears under the guise of a different account ... they raised the debt amt. by XXXX dollar to look as if their account had no relationship to the previous deleted XXXX XXXX account deleted in recent months earlier than XXXX 's appearance on the file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my XXXX  and Equifax with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I received a notice in the mail from Experian alerting me that " within the last 30 days, changes to your name, address or Social Security Number have been reported to us by a creditor. '' This notice was sent pursuant to my request to place a security freeze on my account. It listed phone numbers and a web address to obtain a personal copy of my credit report. The phone numbers listed, as well as several others found online, led through a maze of recorded messages that would not allow me to request a copy of my report or to speak to a human for further information. Online, I logged into my Experian acct, requested a copy, and received a message that " a condition exists that prevents Experian from being able to accept your request at this time. '' I found a different page on the Experian website with an address to request a copy via mail, but no information whatsoever on what to send to make that request. I then logged onto XXXX and tried to retrieve my report there. I received an error message when requesting a report from Experian, which included the same phone numbers I had already tried. Those numbers do not lead to an option to obtain a credit report, other than referring callers to the webpage. I then tried to request a copy from XXXX. I again received a message that this request could not be processed online, though the Equifax page at least included a link to a form that could be mailed in. However, that link goes to a form which is not downloadable as a .pdf or any other format I can print and fill out, as far as I can tell : XXXX XXXX XXXX. 

I am unclear how I am able to obtain a copy of my annual credit report from any of the three major agencies. 

Additionally, I am concerned that there was at least one typo in the letter from Experian and the letter head looked less than official - red flags that it is not genuine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC
State: WA

Complaint narrative:
I have recently started to receive calls from a company representing themselves as the XXXX  XXXX. They are blocking the number they are calling from and using a fake number of XXXX, which the XXXX prefix is not a legit XXXX, WA or XXXX county number set. In the pre-recorded voicemail they are advising that they are trying to contact me about a legal matter and I have not returned their calls. They leave a call back number of XXXX upon looking up this number I am directed to the website www.globalrg.com, which is a debt collection agency, based out of New York state. 

Upon researching the company they are not licensed in the State of Washington where I reside. Nor are they licensed in any of the states I have lived in previously over the last decade. In the state of Washington per XXXX XXXX to collect a debt in the state of WA you must be license and bonded with the state, which this company is not. I do not feel as though this is a legit debt owed as I have not received any documentation via US Mail from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
XX/XX/2018 balance XXXX i have contacted this company and asked for validation that this account belongs to me with a singed document of some sort and they have not provided me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
This has to do with a money order loan payment that was posted on XX/XX/2018. This payment was for the month of XX/XX/2018. The amount of the money order was for {$860.00}. Ally posted the payment incorrectly as {$960.00} and the money order was reversed. The payment was not returned to the bank, nor was it returned back to us. Ally keeps on calling us and stating we are past due. We can't get an answer from them telling us what happened to the payment after they put the amount incorrectly. They did not mail it back to us, nor does the bank that issued the money order have it. I just got off the phone with them for the 5th time and they can't give me an answer of what happened to the payment! They now have posted a late payment on our credit report. This payment was not 30 days late! I want to know what happened to the money order and when it was pointed out to them that it was their error, why wasn't it fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my Experian and XXXX  with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Account Services, Inc.
State: NY

Complaint narrative:
XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I purchased 1 XXXX  treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. 

When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: MO

Complaint narrative:
I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a XXXX fraud report due to the inaccuracies on my credit report with XXXX TransUnion and 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 2018-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. 
I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. 

I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. 
The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to remove.

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