vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 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: Fidelity Properties Inc.
State: OH

Complaint narrative:
On or around  XXXX   XXXX ,  XXXX  I was notified by   XXXX   XXXX   XXXX   XXXX  that  XXXX  had posted a collection notice  to Fidelity Properties fo r a medical bill from  XXXX   XXXX  from  XXXX   XXXX  who has since closed   XXXX   XXXX   XXXX   and left the area. There was a bill for {$72.00} outstanding ? Two other  charges from the clinic where covered.     After contacting  XXXX  a nd Fidelity I was to ld they had sent any letters to me of which I never received. After MANY hours searching I found out  the Dr., Fidelity  and   XXXX    HAD TH E WRONG STREET AD DRESS LISTED FOR ME!     I paid the bill and fee wit h Fidelity  on  XXXX ,  XXXX ,  XXXX  for {$73.00} on the phone with a Check electronically with m y Credit Union.       XXXX   XXXX ,  XXXX  I filed a report  XXXX  with  XXXX  an d Fidelity and hav ing my address corrected and was told by both that this collection would be removed and my  Credit Score would b e CORRECTED. Experian still shows it has DROPPED FROM  XXXX  TO  XXXX  WITH A FAIR RATING?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted more than  10 time s thru the last year to get my credit reports from all  XXXX  credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get  S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress,  ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

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 2017-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent ask ing NCB management a nd  XXXX   XXXX  to send me a payment history, which they refuse to send because  the SOL  in North Carolina have ran out and they are re-ageing the account to add a negative report on my credit report.   XXXX   has removed it because they would not verify the information. I 'm still disputing it with   XXXX   who refuse to send me the verification as well. I 'm giving bo th NCB management  and  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: MD

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  continues to report account on my Experian report as charged off sold to another vendor. Numerous attempts have been made to Experian indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Experian continues to have the incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: FL

Complaint narrative:
Good Day As of  XXXX   XXXX ,   XXXX   I have on numerous occasions contacted   XXXX    to dispute inaccurate information and/or accounts listed on my credit report. I specifically asked them to please investigate and validate the information that is being reporting in writing and to no avail I have not received a valid response from  XXXX  the only thing I received is a new credit report with the items updated as new and accurate. This information is invalid. I am asking for assistance with this matter as this information is causing me hardship. In addition to  XXXX  not responding or deleting this information they continue to add fraud alerts to my credit report which I have asked in writing to be taken off! I want any and all fraud alerts to be removed IMMEDIATELY! The accounts in question are as follows --  XXXX   XXXX  account #  XXXX  $  XXXX  ***unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  $  XXXX  unverified account --  XXXX   XXXX   XXXX   account  XXXX   XXXX  {$540.00} *************** unverified account --   XXXX   XXXX   XXXX   account  XXXX   XXXX  {$1400.00} **************unverified account --  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account  XXXX   XXXX  {$0.00} unverified account They have ignored all my request to provide me with the documents that they have in their files that they used to verify the disputed above accounts. And according to Sect ion 611 ( 5 ) ( A ) of th e FCRA -- they are required to PROMPTLY DELETE all information which can not be verified! I would like my rights under the FCRA to be enforced! I demand these accounts to be verified or deleted IMMEDIATELY sincerely  XXXX   XXXX   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 2017-04-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted more t han 10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext s o there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: TX

Complaint narrative:
I have attempted more than  10 times thru the last year to get my credit reports from all   XXXX    credit agencies aND everytime I 'm told there is n't e nough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year thoug h. Get S.S.I disability at this  adress, goverment assistance at this adress, pay bills in my name at this adress, ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.

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 2017-04-27 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX   XXXX   filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX     XXXX  was awarded Judgment of Possession in  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I filed a lawsuit to enjoin a  Wrongful Post-fo reclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the  Court  they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX   XXXX   XXXX ,  XXXX   XXXX  Texas.     On  XXXX / XXXX / XXXX ,  Nationstar  's attorney admitted in  XXXX  pen Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or n otice of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent asking  XXXX   XXXX  an d Citi Financial to se nd me a payment history, which they refuse to send because th e SOL in North C arolina have ran out and they are re-ageing the account to add a negative report on my credit report.  XXXX  has removed it because they would not verify the information. I 'm still disputing it with  XXXX  who refuse to send me the verification as well. I 'm  giving both NCB management a nd  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

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 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered   credit score.
I disputed these two accoun  ts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and  XXXX  to no avail. To date,  Midland Funding  has continued to ignore my requests for validation and ignore my consumer rights.     I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I   have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted.     Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts?     I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27 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: MD

Complaint narrative:
Original Creditor   XXXX   XXXX  continues to report account on my Transunion report as charged off sold to another vendor. Numerous attempts have been made to Transunion indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Transunion continues to have the incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  We have been fighting an illegal foreclosure for over 10 years against Ocwen and  XXXX   XXXX . We are going through an endless nightmare. These companies are the most corrupt criminal enterprises. The physical and emotional abuse they cause is beyond what any human being should ever endure. They are the definition of a true terrorist. Anyone who has dealt with or is dealing with these criminals should be given relief immediately. The lawsuit that the CFPB, state Regulators and Attorney Generals ' have brought against Ocwen will hopefully put the last nail in their coffins. Ocwen and  XXXX   XXXX , both need to be put out of business for good! These illegal foreclosures have destroyed our way of life in this country. Something needs to be done to make all affected whole again.

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 2017-04-27 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: TX

Complaint narrative:
XXXX   XXXX  claims they are servicing a loan for the   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court  in  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitte d in Open Court th ey were only responding to a dispute letter. They had sent me no default letter, notic e of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

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 2017-04-27 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: TX

Complaint narrative:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX .   XXXX   XXXX    XXXX   XXXX   XXXX  was conveyed a Trustee 's Deed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin a Wrongful Post-foreclosure eviction. On  XXXX / XXXX / XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX    XXXX  's advised the Court they would not eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they were only responding to a dispute letter. They had sent me no default letter, notice of Acceleration, or notic e of foreclosure. However, my credit report shows I 'm delinquent.

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 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX   XXXX  - Navient statement reflects I am close to paying off my loan.    XXXX  - ca ll Navient about my  final payment because I owe less than my monthly payment of {$450.00}, told I would receive refund.    XXXX  - received refund check from Navient for {$64.00}  XXXX  - received of of letter of congratulations dated  XX/XX/XXXX  on paying off my loan.    XXXX  - received a letter dated  XX/XX/XXXX  stating that an incorrect payment was credited to my account and removed and my payment was past due. The principle due was not included on the statement. The statement also said the next payment was due  XX/XX/XXXX .    XXXX  -   XXXX   payments began to be deducted again. My interest payment went up because they did not make a deduction in  XXXX . Have yet to call about that!       Numerous calls were made to Navient. I had shredded my paper statements thinking I had paid off the loan when come to find out I actually still owed about {$13000.00}. I asked for a hard copy of all payments. I was not happy that the information did not show the declining principle.It also did not show the mistaken credit to my account but when I looked at my account on line it shows a transaction on  XX/XX/XXXX  with  XXXX  payment. All other transactions occurred on the second day of the month.       During one call my husband made to Navient regarding crediting our account by mistake he was asked if he knew a  XXXX   XXXX .  XXXX   XXXX  is my older brother who lives in Massachusetts! I made a call to my brother asking if he had recently had any problems with Navient. It turns out he and his wife made a payment to Navient in  XXXX  of  XXXX  to pay off their loan.They were harassed by Navient from  XXXX   XXXX  to  XXXX   XXXX  for non payment even though they had the cancelled check Navient had cashed!! It turns out that Navient my brothers payment to my account! How this could occur I do n't know.    XXXX

Company response to consumer: Closed with explanation