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 — Information belongs to someone else
Company: DISCOVER BANK
State: PA

Complaint narrative:
I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collections Acquisition Company, Inc.
State: SC

Complaint narrative:
I have not has any personal dealings with Payliance. never sent anything in the mail stating that I owe them and how. I just say this information on my credit report one day.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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: CA

Complaint narrative:
I have sent a  Mutilpe Inquiry let ter on  XXXX    XXXX   ,2017  and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a le tter four days lat er that meant they did not investigate whether or not the inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.

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 — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES
State: CA

Complaint narrative:
On  XXXX   XXXX ,    2017  I submitted an application for " Closed School Discharge '' and an application for " Attestation for  XXXX   XXXX   XXXX   Students Application  for  XXXX   XXXX  to Repayment Loan Discharge '' via certified mail. In the  XXXX  to Repayment application I selected the option to place my loans in forbearance while the application was being processed. I have not heard anything from the Department of Education in response to my applications. On  XXXX   XXXX ,    2017  I was notified that my federal tax return was being offset {$1300.00} for these loans. I do not believe that this offset was proper, as my applications and my request for forbearance pursuant to Department of Education policy were submitted well before this. This is greatly upsetting, as I was first misled by  XXXX , and now feel misled by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have made  2 att empts with this company to try and settle this outrageous loan. They deny to help or settle in anyway. I sent them a hardship letter pleading to settle this debt as I can no longer make the full payments as being in hardship and a single mother of  XXXX  now. They would rather me not pay and it go into collections than try to b e CIVIL  in this matter. This company should be shut down as it prays on poor desperate people who either have no choice at time or do not understand. They are rude and very unprofessional! I feel they have very bad business practice, and I feel there should be a law against these kinds of companies! I made a very good offer to pay the EXACT amount I was lent no more no less. But again they would rather not be paid and hurt me and others more by not helping in anyway! At least I have 2 times now tried to settle this, now I 'm almost 2 months behind on this loan after NEVER being late once! Horrible I burrowed {$5400.00} have pain back {$2200.00} and they show I still owe {$5100.00}? so out of {$2200.00} worth of my money I paid them, they are showing I still owe {$5100.00}? NUTS!! So meaning only {$340.00} of {$2200.00} has gone to my principal! JUST SICKNING! I am willing to go to the news or court to file a complaint against this company and help warn other people!    Desired Resolution : Billing Adjustment Desired Outcome

Company public response: Company disputes the facts presented in the complaint
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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX ,  XXXX , Transunion we found out they all out sourced  ALL AMERICANS CREDIT INFO , to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them, " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in this way!

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several certified letters to  XXXX ,   XXXX   and Equifax demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as Equifax. All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XXXX / XXXX /  XXXX    Amount  : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: IL

Complaint narrative:
I resided at  XXXX   XXXX  apartme nt (   XXXX   XXXX   XXXX   )  from  XXXX  to  XXXX . I moved out at the time that was lease was over and moved into a sister building owned and managed by the same company right around the corner. A year ago I pulled my credit report and realized there was a collection  from Advanced Collection Bureau Inc. I co ntacted the company and told them that I did n't know or understand why this account was reporting on my report. I informed them that I had an outstanding debt from the sister building owned by the same company and I handled that debt. She requested that I send that documentation over. I kept sending via email and fax. The lady stated she never received the documents that I sent. I began to get frustrated with the ordeal and took a break on trying to resolve it, as I realized that it was deleted from my report and added back on. A few months ago, I reached out to the company again as its the only item that I still had in collections that I could n't wrap my finger around. I spoke with  XXXX  and went through the same steps that I went through with the previous lady. He told me that 's great that you settled that but this is another debt that is yours and you need to pay. I explained to him that I do n't understand how this debt is mine if I were never contacted regarding this and I was living i n one of th eir buildings at the time it went into collections. He said he did n't know but I need to pay the debt. I asked him to validate that the debt was in fact mine. He sent me an itemized receipt that is barely readable with wrong contact information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX  MY MORTGAE WAS ASSIGNED TO  AMERICAN HOME MTG SER VICING. THIS WAS SIGNED BY  XXXX   XXXX   ( V ICE PRESEIDENT ).  XXXX  MY MORTGAGE WAS TRANSFERRED TO HOMEWARD. I STARTED WRITING HOMEWARD. QUESTIONING THEM ON CERTAINS PERTAINING TO MY MORGAGE. NEXT THING I KNOW THEY TRANSFERRED THE MORTGAGE TG O OCWEN. I  BECAME VERY ILL. I COULD NOT AFFORD MYH MORTGAGE PAYMENTS. I STARTED WRITING OCWEN ASKING THEM IF THEY COULD MODIFY MY MORTGAGE BASED ON THE PRINCIPAL VALUE. THEY DID NOT.  XXXX  I RECEIVED FORECLOUSURE DOCUMENTS FROM  XXXX   XXXX   XXXX   XXXX . I GUESS OCWEN IS PART OF  XXXX   XXXX . WHEN I GOT MY ATTORNEY IN  XXXX  I PAID {$700.00} FOR FORENSIC REPORT OF MY MORTGAGE. I FINALLY HEARD FROM THE FORENSIC PERSON  XXXX   XXXX . I WS TOLD BY THE FORENSIC PERSON THAT MY ATTORNEY WILL CONTACT ME AND GIVE ME COPIES OF THE FORENSIC REPORT. TILL THIS DAY  I H AVE NOT HEARD FROM MY ATTORNEY REGARDING THE FORENSIC REPORT OR ANYTHING ELSE OF THAT MATTER. I HAVE LEFT MESSAGES FOR THE ATTORNEY AND NO CALL BACK. I PAY MY ATTORNEY THERE MONEY EVERY MONTH. MY ATTORNEY WANTED ME TO AGREE TO THIS MODIFICATION THAT OCWEN OFFERED, I TOLD THEM I DO NOT AGREE AND IF THEY CAN DO SOMETHING. NOTHING HAS BEEN DONE. I HAVE NOT HEARD ANYTHING BACK REGARDING THE FORENSIC REPORT FROM MY ATTORNEY. I AM SCHEDULED FOR COURT ( TRIAL ) IN  XXXX   XXXX .

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: OR

Complaint narrative:
Equifax credit reporting agency continues to show an open collection on my report, with  XXXX   XXXX   XXXX , that should have been removed when the original account " timed out. '' I have disputed this with another credit reporting agency but they refused to remove it until they received contact from CFPB ; this action took over 75 days so this time I 'm going directly through CFPB to have this account, well past the Statute of Limitations in Oregon, removed and the company notified to stop reporting it on a monthly basis.   Do these reporting agencies have no oversight!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.

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 2017-04-27 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.

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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In  XXXX , RBS/Citizens sol d Charter One  Bank to  XXXX   XXXX . As a Charter/Citizens customer I was informed all accounts had been transferred to  XXXX   XXXX .In  XXXX   XXXX , I was informed by Citizens that it had retained my ( unused ) HELOC and that it was scheduled to expire in  XXXX   XXXX . Upon researching  ( IL  ) local institutions for a new HELOC, I was encouraged to review our credit report as it would effect ou r credit score which would be used to identify the interest rate we would be charged. Upon examination of my  credit report, I saw that Charter/Citizens had informed credit agencies that some overdraft lines of credit were closed while not others with the transfer of the retail accounts to  XXXX   XXXX . I was informed by local lenders that said  OPEN a ccounts would affect our  credit score.      I have personally contacte d Citizens on two occasions and with my personal (   XXXX   XXXX    ) manager   also twice. Recently, Citizens informed my current  XXXX   XXXX  manager it could do nothing unless I was sitting at her desk and I would confirm she had my authority to talk to Citizens on my behalf. We did so this a.m., afte r forty five minutes of pass-the-buck, Citizens ter minated the call. I can not be the only form er Charter One customer who 's  credit report still contains such erroneous information. All that is required of Citizens, in my view, is to inform the credit agencies that ALL these accounts are closed ; and it will not do so.

Company response to consumer: Closed with explanation