vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: GA

Complaint narrative:
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX   Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an auto loan with Capital One for 5 years and have never been 30 days late. In XX/XX/2017, I mailed a payment at the post office that was intercepted and cashed by an individual I do not know. I was not aware of this until a month or so later when I received my next statement. Nobody at Capital One called me to notify me that I was late. As soon as I became aware I filed a police report and a report with the postal service. I also immediately sent payment to Capital One to catch up on my debt. I notified Capital One via phone and mail that this was a fraudulent event and that I had the copy of the check and police report to prove it. I sent them copies of both. After nearly a year of complaining to several people in the company, including sending certified letters to XXXX XXXX and XXXX XXXX, I have been completely ignored other than a CSR telling me there is nothing that can be done and a letter stating the same. Capital One is violating my rights as a consumer to be protected against fraud. After 5 years of making timely payments, they reported me late when they knew it was a result of fraud. As a consumer, it is nearly impossible to get this situation remedied because they refuse to allow you to have contact with anyone who has the ability to rectify the problem and send out blanket letters in response to everything. Capital One does not protect their consumers who are the victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen Mortgage is requesting that I sign a Mortgage Amendment in order to make a payment on the website. I have a choice as to whether I want to receive a paper statement. I choose to receive a paper statement and do not feel I need to sign a Mortgage Amendment in order to make a payment online. Any type of legal document such as this should be mailed and not placed on the payment site in a small box ( see attachment ). I feel that Ocwen is acting in an illegal capacity. You basically need to get a lawyer to discovery the underlying lies that this Mortgage Amendment is covering up and what it really means if you sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per 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 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
For the past 9 years, my ex-husband has been paying the private Navient student loans that my mom and myself co-signed for. At time of signing in XX/XX/XXXX, my mom and myself, as well as my ex-husband, were told that as soon as they receive 12 months of on-time payments, that we can simply fill out a co-signer release form and we ( the co-signers ) would be released from the loans. After years and years of consistant payments and turning in the co-signer release form, it was rejected by Navient ( Sallie Mae ). Most time we never received it in writing, only finding out when calling them to inquire ( which usually takes 30 minutes on the phone and being transferred to multiple Navient employees. They said that paying on time alone will not allow for release ... it is ultimately up to their discretion but we never received any details involved in their review process. Both loans have been in repayment for 9 years, with total payments made being more than what the original loan was for, but after all of that time and money paid, the loan balances remaining are higher than the loans original amounts. These will never get paid off ... these are predatory loans created with the intention of never being able to pay off with tons of fees. Well, my ex-husband and I divorced in XX/XX/XXXX, and he has stopped contact with me, my mom and with Navient. Now Navient is relentlessly calling my mom and me for payments. Is there anything I can do to help this situation? Anyone that I can speak to for advice? We should have been released as cosigners many years ago, and now that my ex-husband has abandoned payment, we are now being harrassed with Navient collection calls. Please provide me with direction and what my rights are! I have spreadsheets showing all payments, downloaded from Navient, showing these paid more than original loan amount, but the balance is still higher than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is a different complaint about Portfolio Recovery because the previous one was closed .... Portfolio Recovery Associates is NOT LICENSED in the state of Florida. I have 2 collection accounts on my report from them that they will not remove. Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted. I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. Again, this company is not licensed to collect in the State of Florida I already researched the states website to verify this. I want this removed immediately from all of my credit bureau files. I do not have any contract with this company, and no validation has been received by the credit bureaus for proof of this. I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/2018 I sent dispute letters to XXXX and Transunion, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX/XXXX  that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score.  Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.

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 2018-05-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
I Contacted this company who in fact could not locate this fraudulent account but continues to report it on my credit report. Which brings me back to the credit bureaus how are they validating these accounts if the creditor can't even locate you by your ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Applied for American Express XXXX XXXX card on/around XX/XX/2018. 

Moved to new address. Never received the first card. A new card was sent, that was also never received ( card was never activated, nor used, so no fraud ). 

On XX/XX/XXXX, received mail forward from old address with a bill for {$95.00} for a card I never received nor activated, nor used. 

American Express is not willing to waive a fee, instead they offered me another credit card. I have told them to cancel the card. Still, they noted they billed me for this fee ( to use a card I never received, activated or used ) and said because they billed me over 30 days ago, I am liable. 

I want to know how I am liable if they never fulfilled their end of the contract. Once the first card was not received and a new card was sent, why was this not sent certified mail as there may have been a high likelihood of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
I do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America closed my credit card account. I tried to speak with them so they can reopen the account for me. They said they can not do that but did encourage me to apply a new card. 
On XX/XX/XXXX, I submitted a new credit card application. However, the application was denied. Couple days later, I got a letter referencing the reason of deny. The letter says they can not approve the account because " an account with us and/or affiliates has been revoked ''. It is astonishing as they encourage you to apply a new card since your account is closed but deny you immediately because of recent account closure.

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 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance or deferment. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services. These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get. With all the loans I have, I have 20 missed payments on my credit profile. I have sent several letters to Navient myself along with the credit repair services and I have not heard anything from Navient. This is really hurting my credit and I want the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
we were trying to get a loan, it never went through. so i got the reports from 2 of the credit bureaus. how can 1 experian company have accounts showing all negative and another 1. XXXX company show the exact same accounts showing all good? how does it happen? it doesn't make sense, its like you hope the business place you are trying to get a loan through uses the Correct Credit Reporting Company. This isn't right ... ... .... 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: WA

Complaint narrative:
A couple months ago I called Credit about an account that showed up in my name. I asked why my name was on account .I was told yes it was my name but closed the account because they suspected fraud. I told them I was glad it was closed and I knew nothing about the account. In fact I told my bank not to pay XXXX XXXX XXXX. Then XXXX XXXX XXXX  some how got a payment from my bank. Then my credit report from the 3 credit agencies showed the account was a charge off and in collection. I reported to the 3 agencies as dispute. I have never heard from XXXX XXXX XXXX about my dispute or anything at all about this account. No bills no letters nothing

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 2018-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This company is abusing people Santander Consumer USA I took a loan for XXXX and I payed the dealer XXXX dollar down payment on XX/XX/XXXX For a XXXX XXXX XXXX ( used car ) I payed 5 years 6 months XXXX   and stop paying on XX/XX/XXXX .. because the remaining balance in the loan for the car after I payed XXXX was XXXX y surrender the car to them they reportedly as reposes. Almost 30 % interest and hidden fee. They wanted me to pay off the car if I put XXXX dollar more. A XXXX XXXX XXXX is becoming almost XXXX thousand dollar for a use car?? This company is abusing people. Should be off the market. This loan is still on my credit report after 7 years it's supposed to be deleted after 7 years. Loan started XX/XX/XXXX and end XX/XX/XXXX XXXX.please help fix this ..

Company response to consumer: Closed with explanation