vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have made several request to Speedy Cash to Cease & Desist all phone calls and I still am receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have a hard foreclosure date of XX/XX/XXXX and Caliber refuses to postpone the sale even though my agents have offered them a full payoff. The XXXX mortgage is with XXXX and they have verbally approved the amount, it takes a couple of weeks to generate the approval. 

XXXX told my agents that they will make more money by foreclosing and not paying a commission or payout to XXXX. IS THIS LEGAL THAT THEY CAN FORECLOSE ON ME EVEN WHEN OFFERED A FULL PAYOFF? I know there is no guarantee with a short sale, but when offered a full payoff does n't a bank have to allow the seller the chance to stay in his/her home? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
My mother XXXX XXXX recently passed away and she had a credit card from XXXX in the amount of {$4100.00}. XXXX XXXX from Wellman, Weinberg & Reis in XXXX and I we agreed on the phone on XX/XX/XXXX ( they recorded the conversation ) for a settlement of {$1200.00} as a one and final settlement for this amount and it would be reported to the credit agencies as settled and no further collection against this debt would be pursued. They were supposed to send the letter stating the settlement terms three to five days from there and never did. I left a couple of messages and they called back today XX/XX/XXXX and reneged on the agreement. I spoke with a XXXX then XXXX and they both reneged on verbal agreement for {$1200.00} as a one and final payment to settle the account entirely. XXXX tried to say it was just a payment and it was definitely not. I have done a few Credit Card settlements in the past and know exactly how to do them correctly, so this is clearly a fabrication of events on their end. They are disputing that {$3000.00} of those charges went to a funeral home after my mother XXXX passed on XX/XX/XXXX but she authorized us to do this before she passed. This information was also mentioned to XXXX on XX/XX/XXXX and she, her supervisor and Wellman attorneys all agreed on this amount. There has been documented cases on the FTC and BBB in XXXX, Ohio from others about Wellman reneging on settlements in the past. This is a pattern with them. To resolve this issue I simply want Wellman to send the letter agreeing to our original terms on XX/XX/XXXX which was ; {$1200.00} as a one and final payment to settle my mother 's XXXX card of {$4100.00}, send a letter stating that the account is settled upon cashiers check payment of said amount and the terms we agreed upon. I can be reached at XXXX XXXX XXXX or XXXX. Calls are preferred. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MNS & Associates LLC
State: MI

Complaint narrative:
This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc.
State: NY

Complaint narrative:
I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose. 
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner. 
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month. 
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX. 
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX, FL XXXX SSN : *********** | DOB : XX/XX/XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 

Account Account Number Provide Physical Verification XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing a tax lien placed on my credit report since XXXX XXXX, 2016. I have disputed it with trans union twice and they have rejected my claim both times. The tax lien was placed on my credit report incorrectly due to my mortgage company ( XXXX XXXX ) failing to pay my county taxes. My mortgage is currently tied to an escrow and this is part of their obligation. They have recognized their error and the county has released the lien and acknowledged that it was not my fault as well. Trans Union still refuses to remove the lien 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 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : CITIMORTGAGE ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX INSURANCE DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX 'S DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. 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 explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Experian was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

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 2015-08-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian continues to refuse to remove several accounts from my credit report that are closed, paid in full, and XXXX balance. XXXX accounts with the Department of Education/XXXX XXXX numbered XXXX are closed, paid in full, with XXXX balances, and have been for six weeks. Similarly, an account with Navient is closed, paid in full, with XXXX balance also. The account number is XXXX. All of these accounts are closed. I have previously provided proof and attached documents, so it is very frustrating that Experian is failing to act. 

Also, I have requested that Experian remove XXXX inquiries that are fraudulent and I did not authorize. XXXX from XXXX XXXX, twice, on XX/XX/2015 and XXXX. XXXX from XXXX XXXX on XX/XX/2015. Please remove these unauthorized inquiries 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 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility bill??????????????

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 2016-12-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted and submitted a dispute validation letter to Experian and BY LAW Experian must receive the original document from the company i am disputing to validate the debt. And if it is not validated by Experian, even if the creditor does not delete it, Experian must delete it. They told me they are not requesting documents. The guy told me if the creditor replies back and says its validated, they will not remove it. THEY ARE NOT FOLLOWING THE LAW. Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor 's documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). They are leaving it up to these scam collection agencies to validate the debt. I asked to speak to a Supervisor and he refused to let me speak to XXXX. He placed me on a long hold and said he was letting me speak to a supervisor but sent me to a voicemail. I called back and this girl also refused to let me speak to a supervisor. She placed me on hold, came back and she said the manager said she already spoke to me and said contact the creditor!!!!!!!!! i told her i did not speak to anyone, she placed me on hold and said, my manager has left and she can schedule a call back. She said her name was XXXX and her team name was XXXX. i am so disgusted with Experian. and they are suppose to be a Government Agency! I want the letter I sent to Experian, lawfully and correctly handled.

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 2016-01-31 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: CA

Complaint narrative:
For starters, I am locked out of seeing XXXX of my credit reports because the information they are asking me is so wrong and fraudulent that I am only left to think my identity, social security number and credit has been compromised. I do n't know what documents I could upload to prove anything, since I should have barley any credit as it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I disputed an item with Experian that is too old to be reporting, As of today they refused to acknowledge my request of reinvestiating the item to be too old to 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 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continue to maintain inaccurate account information for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have provided sufficient information to prove to them that the account status information for both accounts are grossly inaccurate as well as not showing the accounts being discharged in bankruptcy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief