vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 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: PA

Complaint narrative:
I have several addresses on my credit report that I have never lived at I was a victim of fraud and I need to make sure no one is apply for loans in my name at some strange unknown addresses. Please remove the following addresses : XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: PA

Complaint narrative:
I have several addresses on my credit report that I have never lived at I was a victim of fraud and I need to make sure no one is apply for loans in my name at some strange unknown addresses. Please remove the following addresses : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX  XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
in regards to : Account # XXXX & Account # XXXX I am disputing the above account reference numbers and attempting to stop Progressive Management 's attempt to collect on this debt and removal of accounts reported to my credit bureau 's. These bills were for services rendered in 2012. California Law states that medical bills have a 4 year statue of limitation. This debt has reached its statue of limitations and can no longer be collected on. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a 2000 XXXX XXXX which was financed by Westlake Financial Services, LLC in XX/XX/XXXX. During a difficult financial period before I passed the California XXXX XXXX, my car was repossessed for being 45 days late. After extensive conversations, I was provided with a viable option to obtain the car back, including the waiver of repossession fees. I did in fact get my car back and paid off the loan in XXXX, except for a small balance representing the repossession fees ( which still had not been removed ). 

After several heated conversations with representatives of the company, this charge remained on my account. They threatened to repossess the car, but did not take such action ( in fact, the balance was charged off by Westlake in XXXX ). 

In XX/XX/XXXX, I received a letter from Westlake/Redress Administrator along with a check for {$180.00}, in connection with the Consent Order that Westlake Financial Services, LLC entered into with the CFPB ( File # XXXX ). I was identified as Group B in the letter. 

I reached out to Westlake in XXXX of XXXX and spoke with Mr. XXXX who advised me " well I'm not just giving you your title ; you have to pay something '' and falsely claimed that I received a refund check for interest ( I have in fact read the Consent Order in its entirety ). Mr. XXXX tried to make me pay {$230.00} to obtain my car title and refused my request to speak with a supervisor. He advised me that my only recourse was to send a letter to the charge off department. I subsequently sent a letter and received no response. On XX/XX/XXXX I finally got a supervisor on the phone ( XXXX XXXX ) who advised me to email all documentation to him so he could personally address the matter. When I called today ( XX/XX/XXXX ) I was transferred to a representative named XXXX XXXX who refused to transfer me to Mr. XXXX and insisted that I should have taken the check I received to pay them and demanded that I pay them in full. He also stated that the Consent Order did not apply to me. 

Westlake Financial Services, LLC is holding my car title XXXX. While I purchased a new car last year ( directly through XXXX ), I am unable to do anything with the 2000 XXXX because of their egregious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I filed for bankruptcy in XXXX of 2009. I have endured the penalties of a low FICO score for the past 10 years, including high interest rates, high insurance rates and impacts to employment. I was looking forward to having the bankruptcy finally removed from my credit report and having a high score and low interest rates, but my score has barely moved since the bankruptcy dropped off my credit report. Today, according to XXXX my score is XXXX. 

According to XXXX the primary reasons are the amounts of loans. My loans total {$140000.00}, but {$110000.00} is from student loans. Of the {$140000.00}, {$8000.00} is due to revolving credit and {$15000.00} is from regular loans, such as a car loan. It should be noted that I have several credit cards with no or very low balances, which do not play into the picture. 

My student loans are under a XXXX repayment program and I pay {$120.00} per month. 

Over the past 10 years there are only 2 accounts showing a 30 days past due, which were caused by the a debt consolidation loan and the bank failing to get the payment to them in time. And those were from 2 years ago. 

Therefore, the primary reason my score is XXXX is because of my student loans. As I mentioned earlier, there was no positive movement after the bankruptcy and/or after other creditors dropped off my credit report. Only negative movement as Transunion is still penalizing me for my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: IL

Complaint narrative:
I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my SocialSecurity Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Loan # : XXXX PHH Mortgage is my mortgage company. I made a payment last XXXX and used the incorrect bank acct ( my fault ), i called the company the very next day they told me they would run the check again so i changed the funds to the correct account and waited for they to run the check again. Well, i guess they decised not to run the check again and it cause my trial mod to be voided which i told the rep that i was on a trial mod. A foreclosure date was set and i filed Bankruptcy to avoid losing my home. The mortgage company told me to resubmit the modification and I have on 3 different occations. Since the bankruptcy I have resubmitted it twice and nothing is being done. It was only when i call i ffound out that they cancelled my first request without notice and when i called they told me they wanted me to start the process over. So I started over and its been over 1 year and 45 days and i havent heard anything until yesterday i called XX/XX/2019 and now they are requesting more documents. My mortgage company does not reach out to me via of phone, email or mail at all!!!!!!!!! I need help!!!!!!! On serveral conversation i have ask them to email me and i gave my son 's mailing address and nothing ... .. I dont want to lose my home and the bankrutpcy payments are killing me. Can someone help me push this through? Or can i file a law suite for answers. DO ANYONE CARE! I have a better paying job and things are starting to look up for me since the death of my spouse. I just need help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. Again, Discover didnt answer them. So, again, I am asking them. 
The CFPB told me to file another dispute. 1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 'XXXX website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX  certified inspector. Also, XXXX advertises itself as being International Association of Certified Home Inspectors certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all 3 issues.

At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXX inspection not being performed but charging customers for one is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: FL

Complaint narrative:
I have been a victim of identity theft

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
I was pressured into buying this product by a sales person that would not leave my home after coming in to drop off a " free '' product that I had " won '' at the XXXXXXXX XXXX  Woman 's Show. She played upon my son 's health issues and assured me that by providing ten people 's contact information I would not owe anything for the machine. I was leery of the purchase because of the extremely high interest rate and the predatory nature of the whole pitch, but she would not leave until I purchased from the XXXX XXXX XXXX Systems. 
When I did not make payments I reached out the sales person ( the only contact number I had ) and she did not return my calls. I could not locate anyone to speak to and they never reached out to me despite my phone number not changing since 2005. 
When I attempted to buy a home this Preferred Credit showed up as a negative account on my credit report. I had no clue who that was so I disputed it, but the reporting agencies told me to deal directly with Preferred Credit. After two weeks of constant back and forth and arguing I finally paid a settlement amount just to be able to move on with my life. This company starts out by lying to its customers and then backs people into unwinnable situations to extort money out of them all for products that do not do what they promised to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I made a purchase using my Paypal debit card on XX/XX/2019 for {$120.00} from XXXX  XXXX. I realized I made a mistake and contacted XXXX  XXXX   and cancelled my order on XX/XX/XXXX. XXXX XXXX  claims they cancelled the order on XX/XX/XXXX. XXXX  XXXX shows the order cancelled. Paypal is still holding the money claiming that the sale is still " pending ''. They will not allow me to make a dispute. In their system online it clearly states that Paypal NOT XXXX XXXX is holding my money because of the '' pending '' transaction. XXXX   XXXX even sent me an email showing that entire order is cancelled but Paypal still will not release my money. I have spent over 8 hours on the phone with Paypal with neither help nor resolution during the course of 3 days. The second time yesterday I was told I would receive a confirmation email from Paypal that they were trying to directly contact XXXX XXXX  to make them submit the " correct '' cancellation so it could be resolved and neither I nor XXXX XXXX   were contacted or received an email.. My money is being kept for no reason with absolutely no form of resolution being made available to me by Paypal who is clearly the entity holding the {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: NC

Complaint narrative:
Please note that on XX/XX/XXXX a letter was mailed to Experian in reference to certain accounts that are reporting on my credit. I have asked under my FCRA rights to have these accounts verified due to the fact that I know nothing of these. Under FCRA 15 U.S.C 1681, the credit bureau are required to properly verify ALL information in reference to what they report on a consumer. 

Experian has responded saying verified however, there were no documents showing the verification. Even the company who is holding the account according to a complaint made here on CFPB shows that the company never received any documents showing a debt. Current Federal Law states that the consumer agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from another source. also ordered by the court is that a re-investigation shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Under the FCRA section 611 ( 5 ) ( a ) these accounts should be Promptly deleted as it can not be verified with the proper documentation although it has been more than 30 days,

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 2019-07-18 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: IL

Complaint narrative:
I requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15  days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30  days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX XXXX. 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CRA in violation of several consumer protection laws.

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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX ). 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.

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