vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 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:
1st Complaint, Experian refuses to report my name accurately, at present is reported in Experian as XXXX XXXX XXXX ; correct name is XXXX XXXX XXXX ( Reference Birth Certificate, Social Security Card and ID cards included in attachments ). I have tried talking to several representatives on various dates over the phone : XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

2nd Complaint, Experian is not reporting accurately on my credit report after my Chapter XXXX Bankruptcy filing, I initiated a formal dispute on XX/XX/2018 to Experian and it did not resolved the problem. Moreover, I even provided a reference of the Fair Credit Reporting Act to Experian ( Reference my attached Experian dispute letter ) in my letter and again the problem remains. Furthermore, XXXX  and XXXX  are reporting my Chapter XXXX Bankruptcy filling correctly ; giving me the chance as a consumer to build my credit and get a fresh start on my finances. Unfortunately Experian is not providing me with the same reporting information ; showing 18 late payments, collections, charge offs, etc. Please i need your assistance to resolve this issue with Experian and begin my fresh start with my finances. Thanks for your time and attention in this Matter. 

XXXX XXXX XXXX ( Ret. ) XXXX Veteran

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 2018-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am paying my student loan on a biweekly basis. I would like my account to reflex that the account is not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX and extended warranty from XXXX XXXX. The very next day of the purchase the car battery died, and I have been experiencing issues with the car since. Fast forward to XX/XX/XXXX. The Engine on the van went bad and needed to be replaced. I called XXXX XXXX and they refused to cover the cost to replace the engine. I called Capital One Auto Financing for a voluntary repossession of the van and they refused to take the van back because the car is not in my possession. The car is located at the service department and can not be driven. I also requested this in writing and Capital One again refused. I dont know what to do, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: MA

Complaint narrative:
ok this is my second time I talked to this people XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX.. OK they called me today and tried to use scar tactics on me. They tried to get my information to verify a debt from 1991 this is illegal back dating of debt that's not minds.. I don't owe or have any idea of what they are talking about.. second when I didn't want to give them my information she got very aggressive with me and threaten me if I did not agree with the debt. So I asked her for the original contract with my name on it ... she said they don't have to provide that.. the fair debt credit act states they must verify any debt if I requested this debt be verified .. they have to have me signature on the original contract. or me on video signing the original contract or my ip address from my computer.. according to the fair debt collection act. they are in Violation of this act ... I want them to stop Harassing me stop with the threats ... I don't know how they got my information or who they brought this re aged debt from 1991 from but definitely not me.. stop selling my information. my name and credit is good now for years now and I don't owe anyone anything please help stop this scam and lie please..

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 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-11-26 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: GA

Complaint narrative:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC 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 2018-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: TX

Complaint narrative:
Received letter from Allied International Credit Corp ( US ) claiming they were collecting debt on behalf of original creditor ( XXXX ) in the amount of {$28.00}. 

I've sent a copy of their letter to XXXX ... XXXX knows of no such debt that I owe them. 

I generally buy ( only ) on XXXX using my XXXX account ... have not bought from XXXX on over a year and never this amount. This is not my transaction. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We ( my wife and I ) are the victims of a Ponzi Scheme. We refinanced a mortgage in XX/XX/XXXX. My wife signed the note. I did not. The alleged Lender, XXXX XXXX XXXX XXXX, falsified our financial information, understated the finance charges by more than {$200000.00}, did not give us an accurate payment schedule, and also did not lend us any money. Another, non-disclosed financial entity seems to have funded the alleged transaction, but this entity was not licensed in Illinois to do so. 

On XX/XX/XXXX, we rescinded the transaction. We have a copy of the letter, proof of mailing, proof of delivery, and proof that we recorded the rescission in XX/XX/XXXX. 

To date, more than 3 years have passed, and all the parties involved have ignored the rescission, failed to pay us back, failed to remove all liens on our property, and have failed to do anything at all. 

They have continued to commit crimes in State Court by filing a Motion for Summary Judgement in XX/XX/XXXX, several years after they received the letter of rescission. We are still fighting Ocwen Loan Servicing, XXXX, as Trustee for XXXX XXXX XXXX XXXX, MERS, all their lawyers who are aiding and abetting, and XXXX XXXX. We need help. Your help. You state that you enforce the laws. These are felonies. 

They are time barred from collecting anything ( US Supreme Court in XXXX ; West Virginia Federal Court in XXXX XXXX XXXXXX/XX/XXXX XXXX ; Illinois Appellate Court in XXXX XXXX XXXX ). 

They refuse to stop. The Rule of Law does not exist in Illinois.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Some one has been using my identity without consent the following was opened account XXXX XXXX account, XXXX XXXX XXXX year XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX auto loan, XXXX XXXX auto loan , XXXX XXXX auto loan XXXX XXXX XXXX auto loan XXXX XXXX XXXX student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.

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 2018-11-26 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: AZ

Complaint narrative:
The following account is a fraudulent account : XXXX XXXX  XXXX Mastercard : XXXX. I never applied for this account. Its a fraudulent and unauthorized account.

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 2018-11-26 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: NY

Complaint narrative:
Dear Equifax : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 

XXXX XXXX Account number : XXXX Opened Date : Equifax XXXX Opened Date : XXXX XXXX Inaccurate Open Date must be deleted inmidiatly. 

Account status : Equifax reports : OPEN XXXX reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : Equifax reports : no payments XXXX reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 

Theres a picture of the deletion of this account from XXXX  as proof of they are using the right method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: VA

Complaint narrative:
I use XXXX XXXX to track my score. I've been working hard to improve my score and pleased to see that XXXX  has my score updated after 30 days. My score with them is XXXX. 

However with Equifax, it's still sitting at XXXX and they are telling me that they have to wait for lenders to send them updates. I don't understand how TransUnion can get updates from lenders but not Equifax. They're saying it can take up to 90 days which is more than 3 months to get an update while XXXX  is quick on their feet. 

I can not sit around and wait from Equifax to catch up to XXXX simply because they have a different update policy. So the compliant it to get Equifax to improve their update policy and have the score updated on a more frequent basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.

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 2018-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC 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 explanation
Consumer complaint received 2018-11-26 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: GA

Complaint narrative:
I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, Equifax and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Throughout XXXX I attempted working with TD Bank regarding unauthorized activity on my account. I hired a private investigator who tried calling the same rep I attempted to call over 20 times, XXXX XXXX, and she didn't return either of our many calls. Ms. XXXX denied the fraud claim I brought forward and despite my repeated calls and requests for full documentation as to why the claim was denied. TD acknowledged that fraud had been on the account and for some reason they decided to deny this claim with the main reasoning that I had checked into the app. Unfortunately they never asked about the repeated times when I did try logging in and TD app would say it was unavailable. 

I was denied my Reg. E rights for a full breakdown as to why claim was denied. I also had my private investigator reach out to XXXX to explain he found malware on my computer which helped explain the repeated fraud. She never asked for a follow up. I've been on XXXX for the better part of 5 years and having money stolen along with my pay being slashed has been unnerving. The fact I've been ignored by TD has been even more upsetting. I've asked for simple checks and balances and not responding has been their course of action. I have an attorney who's done a one time consult with me who mentioned trying the CFPB and FTC since they gave some blanket response to the XXXX. That counsel has advised he'll take on my case if we're unable to make any progress here or with the Federal Trade Commission. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: LEXISNEXIS
State: GA

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any variation of my name. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX FLAT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
My new car has been paid on time every month since I purchased it. Its showing its 90days late when Ive never been 30days late on this car. My credit report is now showing 3+ months late, when I have previous credit reports and bank statements that show it has never been 30days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Opened citi checking account on XX/XX/2018 with a deposit of {$15000.00}. 
And I have kept the funds for more than 60 days and its been more than 90 days since i opened account and did not get the promotional bonus they promised

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 2018-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 with XXXX XXXX XXXX/ Cabela 's that he did not authorize reported to XXXX . My client first contact contacted Cabela 's because he does have a legitimate account however he did not apply for this second one. An official dispute was sent to Cabela 's XX/XX/2018 and as of this date no reply concerning the investigation was received. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with explanation