vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: NJ

Complaint narrative:
XXXX  EXPERIAN Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.

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 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I contacted Navient by phone in XX/XX/XXXX after i withdrew to stop my loan and they agreed to do so.i also asked about the income based plan and was denied. Instead I was given the option of deferrment. I contacted them again in XX/XX/XXXX when i saw that they had turned it in to the XXXX. I was informed that another loan had been disbursed under my name which I informed Navient and the School that that was fraud. They blew me off like it was nothing. I contacted them again in XX/XX/XXXX after i disputed it on my credit and asked again can I get on the income based plan. Once again you are not eligible but we have something called forbearance. I never agreed to deferrment or forbearance in which I was placed. I was enrolled into XXXX XXXX XXXX XXXX in XXXX Missouri which seems not to exist because I can't find any info on the school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To whom it may concern, A collector ( Midland Credit Management ) called my employer to reach me regarding a credit card debt. 

Date : XX/XX/2020 Amount : Not disclosed Action : Representative marked the call as solicitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen Financial Corporation ( www.ocwen.com ) sold or merge with PHH MORTGAGE SERVICES ( XXXX ) XXXX or XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX, NJ XXXX PHH Mortgage Corporation is the subservicer of my loan, changed the terms of my agreement. My loan closes in XX/XX/XXXX because of the modification and PHH Mortgage change the terms of the modification after acquiring the mortgage on XX/XX/XXXX and went back to the original agreement which would make my loan close on XX/XX/XXXX.  Your Loan Started XX/XX/XXXX ; Your Loan Ends : XX/XX/XXXX ; Remaining Payments : XXXX ; Prepaid Principal : {$160000.00} ; Prior Yr Principal Paid : {$1800.00} '' Prior Yr Interest Paid : {$1600.00}. Out of my payment of {$810.00}, PHH Mortgage uses {$180.00} towards my principal ; Interest : {$220.00} ; Escrow : XXXX. Ocwen Loan Servicng & PHH Mortgage is scamming me. I need an investigation into both companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER 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 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX Past Due Amount : {$6000.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1900.00} Dispute XXXX XXXX XXXX Past Due Amount : {$1700.00} Dispute TAKING MORE THAN 30 DAYS ADDDING IT BACK ON AS ANOTHER 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 2020-02-18 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: NJ

Complaint narrative:
On several occasion I have submitted proof to Experian, XXXX  and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The only reason I am submitting this complaint here is because the last time I went through the bank, they refused to help me. However I am once again having an issue with overdraft fees. My account with Bank of America was intentionally overdrafted one month ago around XX/XX/XXXX and I accepted the penalty. However, after the fact some automatic payments were taken out and reversed due to lack of funds. However despite being reversed, I was still charged an overdraft fee for each payment. A total of 4 payments were charged overdraft fees despite them being reversed soon after. And it appears there is a 5th pending. Obviously charging XXXX+ dollars on an already overdrawn account is an issue. I just need to have these charges reversed. All of the payments bounced so there is no reason for the fees. Attached are screenshots of my account and every transaction since the initial overdraft.

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 2020-02-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This account does not belong to me and is being reported on my account. I want to have it removed.

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 2020-02-18 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: GA

Complaint narrative:
This account does not belong to me and is being reported on my account. I want to have it removed.

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 2020-02-18 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: GA

Complaint narrative:
This account does not belong to me and is being reported on my account. I want to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account does not belong to me and is being reported on my account. I want to have it removed.

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 2020-02-18 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: NJ

Complaint narrative:
On several occasion I have submitted proof to XXXX, Equifax and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: NY

Complaint narrative:
B

ack in XX/XX/XXXX, I sent Experian a dispute challenge letter. In reference to account : ( XXXX XXXX XXXX ) I've asked the company to delete this account for the following reasons : as of today XX/XX/XXXX, Experian still reports this account as verified and updated, which is inaccurate and a violation. : Balance currently being reported is inaccurate and a violation ; account must be deleted. : Last date of activity currently not being reported or reporting inaccurately ; a violation : account must be removed. : Last date of payment was made in XX/XX/XXXX of which my bank payment reflects, while Experian report shows last payment made was in XX/XX/XXXX. this is inaccurate reporting, account must be deleted and is in violation.

: Account does not report date account was closed or charged off. This is inaccurate reporting and violation, account must be deleted immediately. 

: Account continues to report multiple charge-off or negative after account has been closed or charged-off. an inaccurate reporting and a violation, account must be deleted.

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 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
I do not know who National Recovery is or why they are on my credit report. They have never sent me any written notification of a debt owed. They have also never sent me any verification of the accounts when I disputed them with National recovery! I do not know why they are on my credit report, but I know they are damaging my otherwise immaculate credit profile, for no reason at all, that I can see! Please help me, my husband and I are trying to move to a new home soon, and these showed up on my mortgage report, and that's how I found out that I do not qualify for a mortgage and what a National Recovery account was! The collection account that's over {$1000.00} is stopping me from fulfilling me and my husbands dreams, and I don't know why they are even reporting! They HAVE NEVER sent me anything, you would think for a debt over {$1000.00} they would send me something!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I noticed that a credit inquiry was performed by XXXX XXXX XXXX under my name on XX/XX/XXXX. There is also an auto loan opened an account by XXXX XXXX XXXX for a total of XXXX Please note that I have not authorized either made any contact with anyone from XXXX XXXX XXXX. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX XXXX XXXX, Experian, XXXX and XXXX  all in XX/XX/XXXX & today Experian mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to Experian that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help 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 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2020-02-18 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I disputed several charges with American Express for XXXX Resorts. I conveyed to American Express that the merchant did not provide the services that were provided. Specifically, the merchant advertised that they had multiple restaurants, many of the restaurant were closed or the same exact restaurants but changed the names at different times.The services rendered were so bad, we were going to change our flights to leave and come back to the United States. I contacted the hotel manager who apologized and offered us a cabana to compensate us for the poor service. I explained that a cabana would not be sufficient compensation. The staff was extremely rude and unprofessional. The resort was unclean and failed to live up to what was advertised on the website. American Express initially provided a credit but then reversed it after the hotel provided a copy of the cabana that was offered as a kind gesture. I, XXXX XXXX did not sign for any services at this hotel, My signature was never given as authorization for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: FL

Complaint narrative:
To whom it may concern, I noticed that a credit inquiry was performed by Westlake Services Inc under my name on XX/XX/XXXX. There is also an auto loan opened an account by Westlake Service Inc. for a total of XXXX Please note that I have not authorized either made any contact with anyone from Westlake Financial Inc. I have never heard of this company. Im disputing this credit inquiry and the account as this was done fraudulently and it was opened by fraud. I sent a letter to XXXX XXXX, Westlake Financial, XXXX, XXXX  and XXXX  all in XX/XX/XXXX & today XXXX   mentioned the account will remain, but the credit inquiry will be deleted, because " The company has reported the information has certified to XXXX  that the information is accurate. '' which is not true! I have never opened this account, I don't have that auto they are talking about and I never heard of them until now! All of this needs to be removed from all of my credit reports, this is a fraud. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MD

Complaint narrative:
I received a {$74.00} collection on a utility on XX/XX/2018 that was paid in a result of selling an investment property I own. The utility bill was directly paid to the utility company paid and I received a collections after the house was no longer own by me. I didn't receive a letter nor a phone call regarding this collection. I called the utility company and they said the bill is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In early 2019 I went through a business period where I needed to use short term credit for a while for marketing ( XXXX primarily, I XXXX XXXX XXXX ). Each time I have paid my balance down Citi has lowered the credit limit keeping me chronically at close to 100 % which continues to damage my credit score. They just did it again even though I am current and have been making payments in excess of the minimum and also paying early. When I asked them to restore the limit to the original higher amount they refused.

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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX  a debt collector has taken me to court over an account that is identity theft. I have requested the account number, details, and 609 fair credit act information and the company has fail to comply. I also was sued this past summer and the case was just reopened! The company has a reputation for harassment.

Company response to consumer: Closed with explanation