vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Within less than a month my credit score has gone down XXXX points to XXXX went up to XXXX and down to XXXX from Experian. I am not sure if this is in retaliation for filing a previous complaint with the CFPB ; which they have not addressed yet. I need Experian to fix this negligence with people 's credit score. Nothing new has been reported.

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 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reporting agencies have allowed debt collectors to resell accounts and allowed them to re-post in an attempt to keep aged accounts open as if new.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
I got my car from the dealer and I realized 6 months down the road when no bank wanted to refinance my vehicle, that I was truly duped with my car. Inspite of my very good credit they just would n't do it because the other banks said my car was sold way over its value I have been paying my car faithfully even before the due date but the lender refuses to give me a better percentage. I 'm stuck at 11 percent. My car has been to the mechanics for factory problems since day one. But I do n't want to ruin my credit so I continue to pay it. I 'm hard working productive member of society and it needs to be looked into. The loan company has gotten sued many times from the research I made.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I submitted a reinvestigation dispute into a collection account that Experian is reporting on my credit report. The account in question is a XXXX XXXX account that is reporting incorrectly. I first disputed due to the fact that I have no contract with XXXX XXXX and Experian is allowing a fraudulent account from XXXX to report on my credit report. Experian provided no documentation once the investigation was complete so I submitted another dispute on XX/XX/2017. I received notification that the dispute was completed on XX/XX/2017, however, no documentation was received from Experian regarding how this account was verified. Being that this Experian reinvestigation took only 11 business days, there is no way that XXXX could have verified this account. I am still waiting on a copy of the original contract containing my signature to be sent to me. Experian has failed and neglected to send me any proof that the reporting account belongs to me. Under the FCRA, Experian is mandated to delete any information that can not be verified. They are in violation of 1681 ( a ) ( 4 ) of the FCRA.

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 2017-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Bayview Loan Servicing made misleading and lies both verbally and writing about timeframes, loan modification processes, and steps to take to keep my property out of foreclosure. The representative, XXXX, made many false claims ( again both verbal and in writing ) that negatively impacted my loan modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a Bank of America customer for XXXX plus years. I am beyond confused and frustrated with the way my account is handled. XXXX is not consistent and therefore I end up paying the price. In XX/XX/XXXX I paid {$730.00} in overdraft fees. I ca n't say with certainty that all of those were justified fees. Customer Service reps ca n't explain why policy seems to fluctuate, and often do n't communicate in the tone of their voice that they really care. I utilize this account primarily for the XXXX Pay service, and automatic payroll deposit. I deposit a check weekly ( Fridays ) into this account from my XXXX account to cover all scheduled bill pay recipients. I previously made the deposits on Thursday nights after XXXX, to avoid the BofA account going into negative status, however the checks would post to BofA that same night, triggering a NSF fee from XXXX. My other payroll does n't go into XXXX until Friday morning around XXXX. So I now make the mobile deposits on Fridays to avoid fees from XXXX. 

Last Friday XX/XX/XXXX I made a deposit of {$1700.00} at XXXX pm. That checked cleared XXXX the same day. BofA put a freeze/hold on that deposit and several of my bill pays were flagged as NSF, including my mortgage and not paid. Again, the check deposited was from the same account that has been used weekly for several years. I went thru my email notifications to see what time the other Friday deposits were made and here is what I found. Please note none of these deposits were placed on a freeze/hold and none of my bill pays were flagged as NSF, all were processed. 
XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1500.00} 10:20 pm Please help me understand what is happening. I just got off the phone with a BofA XXXX and was told the deposit on Friday could not be verified by XXXX, so a hold was placed. That check cleared our XXXX account that same afternoon. 
Any help you can provide would be appreciated. 
Thank You,

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 monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a victim of identity theft, I am appalled that I recently was denied credit because of derogatory information ( a bankruptcy, liens and an authorizer user of a credit card ) on my credit reports. I notified all XXXX credit bureaus ( Equifax, XXXX and XXXX ) about the inaccurate information being reported under my name. Equifax claimed that they verified that these accounts they are reporting under my name are accurate. I formally requested that they provide me with that the description of the procedure ( method of verification and any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed ) they used to determine the accuracy and completeness of this information and the name, address, and telephone number of each person contacted regarding these alleged accounts because when I contacted the courts, the county clerks informed me that there is no way that the credit bureaus can verify this information with them because they do not furnish information to them. I had placed a freeze on my XXXX account, so no information should not have been released by them either. I have also disputed the fraudulent credit card account with XXXX and they are not responding nor proved that this account is mine, which is a violation of federal laws. I requested that each credit bureau to clear up this matter because these items are entirely inaccurate and incomplete, and represents a very serious error in their reporting. I notified them that I would be maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. XXXX has complied with removing the liens, but the other XXXX credit bureaus are not. As in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/1995 ), the credit bureaus may be liable for their willful non-compliance and If this is not resolved, I will have no choice but to file a claim against them due to defamation, negligent enablement of identity fraud and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Back in XX/XX/XXXX i was sent a letter from a company called " XXXX ''. they were writing to notify me of an old debt that was owed and i needed to pay it or they were going to place the item on my credit report. After some of my own research, I discovered it was a debt that a court awareded to my ex wife over 8 years ago ( the original creditor was Springleaf Financial ). So, i tried to reach the company at the number they provided but with no luck. it appeared to be a bad number because every time i dial it all i got was a fast busy. So, i mailed them a dispute letter ( because you have 30 days to notify the company that you dispute the validity of the debt ). I disputed it under section 809 of the FDCPA. Well, XX/XX/2017 they placed the item on my XXXX credit report. I filed a dispute directly with XXXX citing that per the FCRA rules the date of first delinquency was over 7 years ago and the item should be removed. so they deleted it within two days. I didnt realise they put it on my XXXX report until i checked that report today, So i submitted a dispute directly with XXXX today ( XX/XX/2017 ). I 'm writing because this company appears to not follow FCRA rules or FDCPA law and I feel they should be investigated. Also, another reason they should be investigated is not only did i receive the letter from XXXX, i also got a letter last week from a company called " XXXX '' who claim they manage the account with XXXX. This could and would likely be very confusing for the consumer. Meaning, a consumer may not know that its the same account. Having said that, I submitted two notifications to this company XXXX advising them that i am still disputing the debt under FDCPA law but also that per FCRA rules they can not report this on my credit report anymore. I have noticed that they appear to get away with the reporting side because they do not include the date of first delinquency to any of the credit bureaus. So if a consumer is not watching their report a company like them will put the items on the credit report and potentially get away with it. hopefully with my writing the CFPB these companies can change their practices and stop trampling on the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was asked on Experian and XXXX security questions about a car loan that I possibly obtain in XX/XX/2015 and about the lending Institution and I have not obtained a car loan in XX/XX/2015 or any other kind of loan! I was denied access to my credit reports. I encountered this same issue about three years ago and was never able to come to get my credit reports. However today I was able to access XXXX credit report but I seriously need my other XXXX. I 'm afraid I am a victim of identity theft or something and I need some answers immediately, I 'm scared.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 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
We leased a XXXX XXXX XXXX from Ally for three years. My wife drove the car and washed it just about every day. It was kept in immaculate condition. When we turned it in to XXXX XXXX in XXXX, NC, the XXXX manager commented on its first-rate condition. She took it in regularly for periodic maintenance for the three years. After turn in Ally asked for more money for tires. If XXXX had thought the tires worn we would have responded, but they never said a word. They have confirmed this. The contract states " You may be charged for excessive wear based on our standards for normal use. '' The odometer reading at turn-in was XXXX miles, not a lot of mileage!. Ally has been pestering us for over two months asking for {$510.00} for excessive tire wear. Once gain, the car was in immaculate condition and should have brought top dollar at resale, to try and get another {$510.00} is absurd. I have told them on numerous occasions to stop calling, because we will not pay another {$510.00}. We were on time for every payment. Our credit rating is, and has been, at the XXXX-XXXX level. 
I have asked to speak with a supervisor on numerous occasions, because the operators do n't speak clearly and have an accent. All I get are busy signals or recordings. Now they are threatening to contact credit bureaus.

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 monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
hurting my credit report with incorrect debt

Company response to consumer: Closed with explanation